PB&T 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%.
Accumulated other comprehensive income dropped 14.3% in Q2 2026, from -$2.6M to -$3.0M. It was the largest change from Q1 2026 among the key lines here. Within Colorado, PB&T Bank is 26th of 34 on CET1 ratio, 12.67% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. PB&T Bank sits 2.40 points lower, at 12.67% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.67% |
| Tier 1 risk-based capital ratio | 12.67% |
| Total risk-based capital ratio | 13.87% |
| Tier 1 leverage ratio | 10.64% |
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 | $85.3M |
| Tier 1 capital | $85.3M |
| Total risk-based capital | $93.4M |
| Total equity capital | $87.0M |
| Risk-weighted assets | $673.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.67% |
| Tangible equity to tangible assets | 10.16% |
| Equity capital to average assets | 10.79% |
| Internal capital growth rate | 9.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $44.1M |
| Retained earnings | $44.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| 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 | 13.68% | 13.68% | 14.93% | 10.78% | $494.9M |
| Q4 2023 | 14.41% | 14.41% | 15.66% | 10.98% | $482.2M |
| Q1 2024 | 14.79% | 14.79% | 16.04% | 11.27% | $477.6M |
| Q2 2024 | 15.36% | 15.36% | 16.61% | 11.60% | $473.7M |
| Q3 2024 | 15.60% | 15.60% | 16.85% | 11.75% | $473.8M |
| Q4 2024 | 15.51% | 15.51% | 16.77% | 12.13% | $485.7M |
| Q1 2025 | 15.11% | 15.11% | 16.36% | 12.56% | $514.4M |
| Q2 2025 | 14.31% | 14.31% | 15.56% | 12.39% | $552.8M |
| Q3 2025 | 13.96% | 13.96% | 15.20% | 12.42% | $587.8M |
| Q4 2025 | 14.57% | 14.57% | 15.82% | 12.60% | $575.3M |
| Q1 2026 | 12.28% | 12.28% | 13.44% | 10.26% | $675.6M |
| Q2 2026 | 12.67% | 12.67% | 13.87% | 10.64% | $673.5M |
PB&T Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock PB&T 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 PB&T Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12594) · FFIEC NIC profile (RSSD 106452)