Paycom National Trust 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%.
Common equity tier 1 ratio climbed 11.91 percentage points in Q2 2026, from 281.28% to 293.19%. It was the largest change from Q1 2026 among the key lines here. Against a median of 19.57% for banks in the < $100M asset tier, Paycom National Trust Bank reported 293.19% on CET1 ratio in Q2 2026, 273.62 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 293.19% |
| Tier 1 risk-based capital ratio | 293.19% |
| Total risk-based capital ratio | 293.19% |
| Tier 1 leverage ratio | 111.90% |
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 | $18.9M |
| Tier 1 capital | $18.9M |
| Total risk-based capital | $18.9M |
| Total equity capital | $18.9M |
| Risk-weighted assets | $6.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 93.19% |
| Tangible equity to tangible assets | 93.19% |
| Equity capital to average assets | 111.90% |
| Internal capital growth rate | 35.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.7M |
| Common stock surplus | $0 |
| Retained earnings | $11.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 8 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 2024 | 357.07% | 357.07% | 357.07% | 104.75% | $2.3M |
| Q4 2024 | 425.72% | 425.72% | 425.72% | 114.96% | $2.3M |
| Q1 2025 | 241.28% | 241.28% | 241.28% | 120.94% | $4.7M |
| Q2 2025 | 163.39% | 163.39% | 163.39% | 117.29% | $7.8M |
| Q3 2025 | 280.36% | 280.36% | 280.36% | 111.68% | $5.0M |
| Q4 2025 | 280.54% | 280.54% | 280.54% | 112.31% | $5.6M |
| Q1 2026 | 281.28% | 281.28% | 281.28% | 112.30% | $6.2M |
| Q2 2026 | 293.19% | 293.19% | 293.19% | 111.90% | $6.5M |
Paycom National Trust Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Paycom National Trust 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 Paycom National Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 5972661)