Producers Bank & Trust: 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 dropped 1.36 percentage points in Q2 2026, from 23.39% to 22.03%. 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 | 22.09% |
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 | $46.9M |
| Tier 1 capital | $46.9M |
| Total risk-based capital | — |
| Total equity capital | $46.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 21.92% |
| Tangible equity to tangible assets | 21.92% |
| Equity capital to average assets | 22.03% |
| Internal capital growth rate | 1.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $146K |
| Common stock surplus | $24.0M |
| Retained earnings | $22.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$117K |
| 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 | 18.15% | 18.10% | 18.10% |
| Q4 2023 | 16.65% | 16.59% | 16.59% |
| Q1 2024 | 17.48% | 17.35% | 17.35% |
| Q2 2024 | 17.83% | 18.15% | 18.15% |
| Q3 2024 | 17.10% | 16.58% | 16.58% |
| Q4 2024 | 16.30% | 17.74% | 17.74% |
| Q1 2025 | 17.89% | 17.73% | 17.73% |
| Q2 2025 | 16.55% | 16.36% | 16.36% |
| Q3 2025 | 23.99% | 23.41% | 23.41% |
| Q4 2025 | 22.52% | 23.25% | 23.25% |
| Q1 2026 | 23.42% | 22.68% | 22.68% |
| Q2 2026 | 22.09% | 21.92% | 21.92% |
Producers Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Producers Bank & Trust, 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 Producers Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11242) · FFIEC NIC profile (RSSD 897648)