Phenix-Girard 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 standout move of Q2 2026 was in Total equity capital: 32.4% higher than in Q1 2026, at $9.0M.
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 | 11.76% |
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 | $44.8M |
| Tier 1 capital | $44.8M |
| Total risk-based capital | — |
| Total equity capital | $9.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 2.62% |
| Tangible equity to tangible assets | 2.62% |
| Equity capital to average assets | 2.35% |
| Internal capital growth rate | 65.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $1.2M |
| Retained earnings | $42.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$35.9M |
| 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 | 18.27% | -4.10% | -4.10% |
| Q4 2023 | 18.67% | 0.21% | 0.21% |
| Q1 2024 | 16.76% | -0.19% | -0.19% |
| Q2 2024 | 12.58% | 0.57% | 0.57% |
| Q3 2024 | 12.65% | 2.97% | 2.97% |
| Q4 2024 | 12.02% | -0.23% | -0.23% |
| Q1 2025 | 11.63% | 1.03% | 1.03% |
| Q2 2025 | 11.75% | 0.95% | 0.95% |
| Q3 2025 | 11.78% | 2.54% | 2.54% |
| Q4 2025 | 11.52% | 2.55% | 2.55% |
| Q1 2026 | 11.40% | 1.97% | 1.97% |
| Q2 2026 | 11.76% | 2.62% | 2.62% |
Phenix-Girard Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Phenix-Girard 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 Phenix-Girard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 41) · FFIEC NIC profile (RSSD 432432)