Profile 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, Equity capital to total assets edged down by 0.15 percentage points, from 9.07% to 8.92%, 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 | 9.27% |
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 | $28.6M |
| Tier 1 capital | $28.6M |
| Total risk-based capital | — |
| Total equity capital | $28.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.92% |
| Tangible equity to tangible assets | 8.92% |
| Equity capital to average assets | 9.14% |
| Internal capital growth rate | 0.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $0 |
| Retained earnings | $28.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$380K |
| 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 | 17.68% | 17.68% | 18.18% | 9.50% | $160.2M |
| Q4 2023 | 16.98% | 16.98% | 17.47% | 9.43% | $165.4M |
| Q1 2024 | 17.24% | 17.24% | 17.73% | 9.48% | $162.7M |
| Q2 2024 | 16.46% | 16.46% | 16.93% | 9.36% | $170.1M |
| Q3 2024 | 17.09% | 17.09% | 17.57% | 9.31% | $164.3M |
| Q4 2024 | 17.13% | 17.13% | 17.61% | 9.43% | $163.5M |
| Q1 2025 | 17.00% | 17.00% | 17.48% | 9.29% | $164.4M |
| Q2 2025 | 16.72% | 16.72% | 17.18% | 9.29% | $167.2M |
| Q3 2025 | 16.53% | 16.53% | 16.97% | 8.75% | $170.7M |
| Q4 2025 | 15.76% | 15.76% | 16.18% | 8.91% | $179.7M |
| Q1 2026 | 16.20% | 16.20% | 16.62% | 9.17% | $176.2M |
| Q2 2026 | — | — | — | 9.27% | — |
Profile Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Profile 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 Profile Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28155) · FFIEC NIC profile (RSSD 672573)