Quail Creek 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 Equity capital to total assets, which fell 0.41 percentage points to 8.68%.
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 | 9.07% |
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 | $74.6M |
| Tier 1 capital | $74.6M |
| Total risk-based capital | — |
| Total equity capital | $72.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.68% |
| Tangible equity to tangible assets | 8.68% |
| Equity capital to average assets | 8.77% |
| Internal capital growth rate | -15.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $2.3M |
| Retained earnings | $71.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | 13.60% | 13.60% | 14.80% | 9.56% | $536.2M |
| Q4 2023 | 14.01% | 14.01% | 15.19% | 9.90% | $546.7M |
| Q1 2024 | 13.62% | 13.62% | 14.83% | 9.80% | $557.5M |
| Q2 2024 | 13.18% | 13.18% | 14.43% | 9.24% | $556.0M |
| Q3 2024 | 13.31% | 13.31% | 14.56% | 9.31% | $550.4M |
| Q4 2024 | 13.99% | 13.99% | 15.25% | 9.57% | $545.8M |
| Q1 2025 | 14.23% | 14.23% | 15.48% | 9.76% | $538.5M |
| Q2 2025 | 13.43% | 13.43% | 14.68% | 9.32% | $549.3M |
| Q3 2025 | 13.12% | 13.12% | 14.38% | 9.23% | $564.0M |
| Q4 2025 | 13.85% | 13.85% | 15.10% | 9.42% | $558.5M |
| Q1 2026 | 13.75% | 13.75% | 15.00% | 9.35% | $564.0M |
| Q2 2026 | — | — | — | 9.07% | — |
Quail Creek Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Quail Creek 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 Quail Creek Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21848) · FFIEC NIC profile (RSSD 507152)