Premier Bank N.A.: 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 total assets climbed 0.88 percentage points in Q2 2026, from 11.77% to 12.64%. 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 | 12.59% |
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 | $43.5M |
| Tier 1 capital | $43.5M |
| Total risk-based capital | — |
| Total equity capital | $43.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.64% |
| Tangible equity to tangible assets | 12.64% |
| Equity capital to average assets | 12.52% |
| Internal capital growth rate | 11.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $22.5M |
| Retained earnings | $20.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$238K |
| 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 | 12.80% | 12.39% | 12.34% |
| Q4 2023 | 13.24% | 13.06% | 13.01% |
| Q1 2024 | 13.66% | 13.52% | 13.48% |
| Q2 2024 | 14.07% | 13.39% | 13.36% |
| Q3 2024 | 14.07% | 14.83% | 14.81% |
| Q4 2024 | 12.88% | 12.96% | 12.95% |
| Q1 2025 | 13.58% | 13.17% | 13.17% |
| Q2 2025 | 13.74% | 13.49% | 13.49% |
| Q3 2025 | 14.01% | 14.19% | 14.19% |
| Q4 2025 | 11.97% | 12.20% | 12.20% |
| Q1 2026 | 12.38% | 11.77% | 11.77% |
| Q2 2026 | 12.59% | 12.64% | 12.64% |
Premier Bank N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Premier Bank N.A., 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 Premier Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12493) · FFIEC NIC profile (RSSD 860259)