Philo Exchange 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.
Retained earnings rose 2.8% from Q1 2026 to Q2 2026, ending at $9.9M against $9.6M. It was the largest change among the key lines on this page.
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 | 10.18% |
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 | $15.6M |
| Tier 1 capital | $15.6M |
| Total risk-based capital | — |
| Total equity capital | $15.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.90% |
| Tangible equity to tangible assets | 9.19% |
| Equity capital to average assets | 10.04% |
| Internal capital growth rate | 7.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $700K |
| Common stock surplus | $6.2M |
| Retained earnings | $9.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 15.38% | 15.38% | 16.28% | 10.09% | $86.2M |
| Q4 2023 | 15.21% | 15.21% | 16.08% | 10.06% | $89.2M |
| Q1 2024 | 15.31% | 15.31% | 16.18% | 10.53% | $88.8M |
| Q2 2024 | 15.17% | 15.17% | 16.03% | 10.68% | $90.8M |
| Q3 2024 | 15.41% | 15.41% | 16.28% | 10.41% | $90.6M |
| Q4 2024 | 14.94% | 14.94% | 15.77% | 10.31% | $95.5M |
| Q1 2025 | 16.62% | 16.62% | 17.53% | 10.26% | $87.0M |
| Q2 2025 | — | — | — | 10.57% | — |
| Q3 2025 | — | — | — | 11.13% | — |
| Q4 2025 | — | — | — | 10.91% | — |
| Q1 2026 | — | — | — | 10.01% | — |
| Q2 2026 | — | — | — | 10.18% | — |
Philo Exchange Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Philo Exchange 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 Philo Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5722) · FFIEC NIC profile (RSSD 667346)