Prospect 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%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 5.9% to $511.5M. Within Illinois, Prospect Bank is 154th of 198 on CET1 ratio, 12.09% as of Q2 2026, below the middle of the field. Prospect Bank reported 12.09% on CET1 ratio for Q2 2026, 2.98 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.09% |
| Tier 1 risk-based capital ratio | 12.09% |
| Total risk-based capital ratio | 12.77% |
| Tier 1 leverage ratio | 8.50% |
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 | $61.8M |
| Tier 1 capital | $61.8M |
| Total risk-based capital | $65.3M |
| Total equity capital | $43.5M |
| Risk-weighted assets | $511.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.08% |
| Tangible equity to tangible assets | 5.79% |
| Equity capital to average assets | 5.97% |
| Internal capital growth rate | 5.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $20.6M |
| Retained earnings | $42.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$20.5M |
| 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 | 10.60% | 10.60% | 11.64% | 7.55% | $555.2M |
| Q4 2023 | 10.22% | 10.22% | 11.20% | 7.63% | $569.4M |
| Q1 2024 | 10.44% | 10.44% | 11.40% | 7.75% | $567.9M |
| Q2 2024 | 10.56% | 10.56% | 11.80% | 7.70% | $563.2M |
| Q3 2024 | 10.58% | 10.58% | 11.57% | 7.56% | $557.5M |
| Q4 2024 | 11.12% | 11.12% | 12.02% | 7.77% | $536.9M |
| Q1 2025 | 11.52% | 11.52% | 12.29% | 8.03% | $524.4M |
| Q2 2025 | 12.20% | 12.20% | 13.01% | 8.39% | $497.5M |
| Q3 2025 | 12.74% | 12.74% | 13.55% | 8.35% | $474.9M |
| Q4 2025 | 12.82% | 12.82% | 13.58% | 8.40% | $475.2M |
| Q1 2026 | 12.68% | 12.68% | 13.45% | 8.54% | $482.8M |
| Q2 2026 | 12.09% | 12.09% | 12.77% | 8.50% | $511.5M |
Prospect Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Prospect 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 Prospect Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3722) · FFIEC NIC profile (RSSD 738143)