Pillar 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%.
Equity capital to average assets rose 0.53 percentage points from Q1 2026 to Q2 2026, ending at 8.06% against 7.52%. 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 | 9.99% |
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 | $25.9M |
| Tier 1 capital | $25.9M |
| Total risk-based capital | — |
| Total equity capital | $21.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.86% |
| Tangible equity to tangible assets | 7.37% |
| Equity capital to average assets | 8.06% |
| Internal capital growth rate | 12.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $390K |
| Common stock surplus | $10.7M |
| Retained earnings | $16.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.3M |
| 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 | 13.24% | 13.24% | 14.49% | 9.34% | $177.3M |
| Q4 2023 | 12.94% | 12.94% | 14.19% | 9.35% | $179.7M |
| Q1 2024 | 12.79% | 12.79% | 14.04% | 9.24% | $183.2M |
| Q2 2024 | 13.33% | 13.33% | 14.59% | 9.52% | $178.8M |
| Q3 2024 | 13.74% | 13.74% | 14.99% | 9.36% | $176.4M |
| Q4 2024 | 13.47% | 13.47% | 14.54% | 9.11% | $173.7M |
| Q1 2025 | 13.95% | 13.95% | 15.03% | 9.30% | $171.5M |
| Q2 2025 | 12.99% | 12.99% | 13.99% | 9.34% | $185.0M |
| Q3 2025 | — | — | — | 9.22% | — |
| Q4 2025 | — | — | — | 9.33% | — |
| Q1 2026 | — | — | — | 9.50% | — |
| Q2 2026 | — | — | — | 9.99% | — |
Pillar Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pillar 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 Pillar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5336) · FFIEC NIC profile (RSSD 143952)