Rhinebeck 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 standout move of Q2 2026 was in Equity capital to total assets: 1.14 percentage points lower than in Q1 2026, at 9.45%. Rhinebeck Bank ranks 49th of 82 New York banks on CET1 ratio, in the lower half at 14.61% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Rhinebeck Bank sits 1.13 points higher, at 14.61% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.61% |
| Tier 1 risk-based capital ratio | 14.61% |
| Total risk-based capital ratio | 15.41% |
| Tier 1 leverage ratio | 10.93% |
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 | $145.2M |
| Tier 1 capital | $145.2M |
| Total risk-based capital | $153.1M |
| Total equity capital | $138.9M |
| Risk-weighted assets | $993.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.45% |
| Tangible equity to tangible assets | 9.31% |
| Equity capital to average assets | 10.45% |
| Internal capital growth rate | 8.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $55.0M |
| Retained earnings | $92.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.7M |
| 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 | 11.71% | 11.71% | 12.47% | 9.93% | $1.16B |
| Q4 2023 | 11.96% | 11.96% | 12.70% | 10.10% | $1.14B |
| Q1 2024 | 12.26% | 12.26% | 12.99% | 10.28% | $1.12B |
| Q2 2024 | 12.59% | 12.59% | 13.29% | 10.60% | $1.11B |
| Q3 2024 | 12.04% | 12.04% | 12.81% | 10.04% | $1.08B |
| Q4 2024 | 11.81% | 11.81% | 12.63% | 10.07% | $1.07B |
| Q1 2025 | 12.10% | 12.10% | 12.91% | 10.17% | $1.07B |
| Q2 2025 | 12.98% | 12.98% | 13.80% | 10.64% | $1.03B |
| Q3 2025 | 13.08% | 13.08% | 13.88% | 10.46% | $1.05B |
| Q4 2025 | 13.57% | 13.57% | 14.40% | 10.62% | $1.03B |
| Q1 2026 | 14.15% | 14.15% | 14.95% | 10.94% | $1.00B |
| Q2 2026 | 14.61% | 14.61% | 15.41% | 10.93% | $993.7M |
Rhinebeck Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Rhinebeck 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 Rhinebeck Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16032) · FFIEC NIC profile (RSSD 195111)