Partners 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 biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged down 0.23 percentage points between Q1 2026 and Q2 2026, to 13.25%. Within Arkansas, Partners Bank is 11th of 37 on CET1 ratio, 15.70% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Partners Bank sits 0.63 points higher, at 15.70% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.70% |
| Tier 1 risk-based capital ratio | 15.70% |
| Total risk-based capital ratio | 16.96% |
| Tier 1 leverage ratio | 13.73% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $56.2M |
| Tier 1 capital | $56.2M |
| Total risk-based capital | $60.7M |
| Total equity capital | $55.3M |
| Risk-weighted assets | $357.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.25% |
| Tangible equity to tangible assets | 13.25% |
| Equity capital to average assets | 13.50% |
| Internal capital growth rate | 6.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $12.2M |
| Retained earnings | $43.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$941K |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.79% | 11.79% | 13.04% | 11.08% | $403.6M |
| Q4 2023 | 11.37% | 11.37% | 12.62% | 10.15% | $384.2M |
| Q1 2024 | 13.96% | 13.96% | 15.22% | 11.61% | $347.2M |
| Q2 2024 | 13.17% | 13.17% | 14.42% | 11.87% | $376.2M |
| Q3 2024 | 13.32% | 13.32% | 14.58% | 11.51% | $378.1M |
| Q4 2024 | 14.08% | 14.08% | 15.33% | 11.83% | $362.2M |
| Q1 2025 | 14.51% | 14.51% | 15.76% | 12.24% | $357.0M |
| Q2 2025 | 14.23% | 14.23% | 15.48% | 12.23% | $370.3M |
| Q3 2025 | — | — | — | 12.15% | — |
| Q4 2025 | — | — | — | 12.97% | — |
| Q1 2026 | — | — | — | 13.68% | — |
| Q2 2026 | 15.70% | 15.70% | 16.96% | 13.73% | $357.9M |
Partners Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Partners 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 Partners Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15729) · FFIEC NIC profile (RSSD 335346)