Prevail 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.
In Q2 2026, Total equity capital edged up by 2.2%, from $133.5M to $136.4M, the largest move 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 | 12.60% |
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 | $128.8M |
| Tier 1 capital | $128.8M |
| Total risk-based capital | — |
| Total equity capital | $136.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.26% |
| Tangible equity to tangible assets | 11.89% |
| Equity capital to average assets | 13.14% |
| Internal capital growth rate | 4.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $144.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.4M |
| 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 | 20.22% | 20.22% | 21.26% | 12.85% | $602.5M |
| Q4 2023 | 18.99% | 18.99% | 19.98% | 12.70% | $642.3M |
| Q1 2024 | 19.24% | 19.24% | 20.28% | 12.51% | $633.7M |
| Q2 2024 | 19.15% | 19.15% | 20.20% | 12.83% | $637.4M |
| Q3 2024 | 19.29% | 19.29% | 20.45% | 12.87% | $633.1M |
| Q4 2024 | 18.91% | 18.91% | 20.06% | 12.87% | $649.0M |
| Q1 2025 | — | — | — | 12.86% | — |
| Q2 2025 | — | — | — | 12.69% | — |
| Q3 2025 | — | — | — | 12.71% | — |
| Q4 2025 | — | — | — | 12.82% | — |
| Q1 2026 | — | — | — | 12.63% | — |
| Q2 2026 | — | — | — | 12.60% | — |
Prevail Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Prevail 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 Prevail Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29294) · FFIEC NIC profile (RSSD 27070)