Rayne Building & Loan Association: 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 Accumulated other comprehensive income: 11.5% lower than in Q1 2026, at -$1.2M.
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 | 29.06% |
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 | $14.9M |
| Tier 1 capital | $14.9M |
| Total risk-based capital | — |
| Total equity capital | $14.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 27.90% |
| Tangible equity to tangible assets | 27.90% |
| Equity capital to average assets | 27.39% |
| Internal capital growth rate | -1.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $15.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 28.82% | 22.10% | 22.10% |
| Q4 2023 | 27.02% | 24.44% | 24.44% |
| Q1 2024 | 26.40% | 23.65% | 23.65% |
| Q2 2024 | 26.66% | 24.62% | 24.62% |
| Q3 2024 | 26.78% | 25.77% | 25.77% |
| Q4 2024 | 29.05% | 26.46% | 26.46% |
| Q1 2025 | 28.97% | 26.79% | 26.79% |
| Q2 2025 | 29.00% | 27.37% | 27.37% |
| Q3 2025 | 29.34% | 28.10% | 28.10% |
| Q4 2025 | 29.29% | 28.02% | 28.02% |
| Q1 2026 | 28.86% | 27.89% | 27.89% |
| Q2 2026 | 29.06% | 27.90% | 27.90% |
Rayne Building & Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Rayne Building & Loan Association, 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 Rayne Building & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30447) · FFIEC NIC profile (RSSD 518176)