The Private Trust Company, 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%.
The standout move of Q2 2026 was in Common equity Tier 1 ratio: 174.34 percentage points lower than in Q1 2026, at 242.64%. The Private Trust Company, N.A.'s CET1 ratio of 242.64% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 223.08 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 242.64% |
| Tier 1 risk-based capital ratio | 242.64% |
| Total risk-based capital ratio | 242.64% |
| Tier 1 leverage ratio | 91.77% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $30.0M |
| Tier 1 capital | $30.0M |
| Total risk-based capital | $30.0M |
| Total equity capital | $32.0M |
| Risk-weighted assets | $12.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 92.94% |
| Tangible equity to tangible assets | 92.51% |
| Equity capital to average assets | 92.24% |
| Internal capital growth rate | 21.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $14.3M |
| Retained earnings | $16.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 1032.25% | 1032.25% | 1032.25% | 80.77% | $2.0M |
| Q4 2023 | 1097.82% | 1097.82% | 1097.82% | 90.22% | $1.9M |
| Q1 2024 | 736.69% | 736.69% | 736.69% | 92.71% | $3.1M |
| Q2 2024 | 519.49% | 519.49% | 519.49% | 91.88% | $4.7M |
| Q3 2024 | 898.63% | 898.63% | 898.63% | 91.91% | $2.9M |
| Q4 2024 | 912.61% | 912.61% | 912.61% | 78.68% | $2.4M |
| Q1 2025 | 767.16% | 767.16% | 767.16% | 91.77% | $3.1M |
| Q2 2025 | 600.52% | 600.52% | 600.52% | 94.32% | $4.4M |
| Q3 2025 | 515.07% | 515.07% | 515.07% | 92.71% | $5.5M |
| Q4 2025 | 463.65% | 463.65% | 463.65% | 80.08% | $5.6M |
| Q1 2026 | 416.99% | 416.99% | 416.99% | 90.21% | $6.8M |
| Q2 2026 | 242.64% | 242.64% | 242.64% | 91.77% | $12.4M |
The Private Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Private Trust Company, 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 The Private Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2328285)