Palo Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 4.6% to -$2.2M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.71% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $6.0M |
| Tier 1 capital | $6.0M |
| Total risk-based capital | — |
| Total equity capital | $3.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.62% |
| Tangible equity to tangible assets | 7.62% |
| Equity capital to average assets | 7.36% |
| Internal capital growth rate | 4.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $900K |
| Retained earnings | $5.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.60% | 3.48% | 3.48% |
| Q4 2023 | 12.52% | 5.26% | 5.26% |
| Q1 2024 | 12.43% | 5.38% | 5.38% |
| Q2 2024 | 11.77% | 5.36% | 5.36% |
| Q3 2024 | 12.10% | 7.23% | 7.23% |
| Q4 2024 | 11.91% | 5.90% | 5.90% |
| Q1 2025 | 11.91% | 5.99% | 5.99% |
| Q2 2025 | 11.75% | 6.58% | 6.58% |
| Q3 2025 | 12.44% | 7.84% | 7.84% |
| Q4 2025 | 12.16% | 7.73% | 7.73% |
| Q1 2026 | 11.89% | 7.53% | 7.53% |
| Q2 2026 | 11.71% | 7.62% | 7.62% |
Palo Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Palo Savings Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Palo Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13990) · FFIEC NIC profile (RSSD 90047)