The Pennsville National 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 climbed 8.3% in Q2 2026, from -$1.2M to -$1.1M. It was the largest change from Q1 2026 among the key lines here.
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 | 10.23% |
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 | $29.5M |
| Tier 1 capital | $29.5M |
| Total risk-based capital | — |
| Total equity capital | $28.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.10% |
| Tangible equity to tangible assets | 10.10% |
| Equity capital to average assets | 9.85% |
| Internal capital growth rate | 10.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $675K |
| Common stock surplus | $2.4M |
| Retained earnings | $26.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 17.58% | 17.58% | 18.34% | 7.89% | $125.1M |
| Q4 2023 | 18.41% | 18.41% | 19.18% | 7.95% | $122.9M |
| Q1 2024 | 18.75% | 18.75% | 19.54% | 8.10% | $123.6M |
| Q2 2024 | 19.44% | 19.44% | 20.24% | 8.50% | $122.1M |
| Q3 2024 | 20.18% | 20.18% | 20.99% | 8.74% | $119.7M |
| Q4 2024 | 20.33% | 20.33% | 21.30% | 8.87% | $122.1M |
| Q1 2025 | 21.66% | 21.66% | 22.51% | 8.97% | $119.0M |
| Q2 2025 | 21.97% | 21.97% | 22.97% | 9.28% | $121.2M |
| Q3 2025 | 23.19% | 23.19% | 24.23% | 9.58% | $118.0M |
| Q4 2025 | 22.57% | 22.57% | 23.57% | 9.79% | $124.9M |
| Q1 2026 | — | — | — | 9.98% | — |
| Q2 2026 | — | — | — | 10.23% | — |
The Pennsville National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pennsville National 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 The Pennsville National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19978) · FFIEC NIC profile (RSSD 828110)