Penncrest 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The biggest quarter-over-quarter change on this page was a small one: Total equity capital edged up 1.6% between Q1 2026 and Q2 2026, to $30.2M.
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 | 13.48% |
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 | $33.9M |
| Tier 1 capital | $33.9M |
| Total risk-based capital | — |
| Total equity capital | $30.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.20% |
| Tangible equity to tangible assets | 12.13% |
| Equity capital to average assets | 11.98% |
| Internal capital growth rate | 4.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $34.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.9M |
| 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 | 14.09% | 11.43% | 11.27% |
| Q4 2023 | 14.04% | 12.29% | 12.14% |
| Q1 2024 | 14.05% | 11.99% | 11.85% |
| Q2 2024 | 13.99% | 12.14% | 12.01% |
| Q3 2024 | 14.14% | 12.82% | 12.70% |
| Q4 2024 | 14.08% | 12.14% | 12.03% |
| Q1 2025 | 13.83% | 11.98% | 11.87% |
| Q2 2025 | 13.71% | 12.02% | 11.93% |
| Q3 2025 | 13.82% | 12.53% | 12.44% |
| Q4 2025 | 13.85% | 12.63% | 12.55% |
| Q1 2026 | 13.72% | 12.22% | 12.14% |
| Q2 2026 | 13.48% | 12.20% | 12.13% |
Penncrest Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Penncrest 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 Penncrest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30119) · FFIEC NIC profile (RSSD 805876)