Richland County 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 Accumulated other comprehensive income: 8.7% higher than in Q1 2026, at -$3.3M.
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 | 17.77% |
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 | $21.1M |
| Tier 1 capital | $21.1M |
| Total risk-based capital | — |
| Total equity capital | $17.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.59% |
| Tangible equity to tangible assets | 15.59% |
| Equity capital to average assets | 15.00% |
| Internal capital growth rate | 4.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $6.0M |
| Retained earnings | $13.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.3M |
| 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 | 18.40% | 10.79% | 10.79% |
| Q4 2023 | 18.47% | 12.37% | 12.37% |
| Q1 2024 | 18.25% | 12.65% | 12.65% |
| Q2 2024 | 19.04% | 12.99% | 12.99% |
| Q3 2024 | 19.04% | 14.73% | 14.73% |
| Q4 2024 | 17.89% | 13.39% | 13.39% |
| Q1 2025 | 16.90% | 13.43% | 13.43% |
| Q2 2025 | 17.74% | 14.91% | 14.91% |
| Q3 2025 | 17.81% | 15.70% | 15.70% |
| Q4 2025 | 18.26% | 15.89% | 15.89% |
| Q1 2026 | 18.01% | 15.21% | 15.21% |
| Q2 2026 | 17.77% | 15.59% | 15.59% |
Richland County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Richland County 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 Richland County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15092) · FFIEC NIC profile (RSSD 331544)