Richton Bank & Trust Company: 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: 0.89 percentage points higher than in Q1 2026, at 15.62%.
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 | 16.19% |
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 | $8.6M |
| Tier 1 capital | $8.6M |
| Total risk-based capital | — |
| Total equity capital | $8.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.62% |
| Tangible equity to tangible assets | 15.62% |
| Equity capital to average assets | 15.33% |
| Internal capital growth rate | 5.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $89K |
| Common stock surplus | $4.8M |
| Retained earnings | $3.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$455K |
| 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 | 15.70% | 11.69% | 11.69% |
| Q4 2023 | 16.26% | 12.93% | 12.93% |
| Q1 2024 | 15.82% | 12.85% | 12.85% |
| Q2 2024 | 16.26% | 13.32% | 13.32% |
| Q3 2024 | 16.17% | 14.29% | 14.29% |
| Q4 2024 | 16.21% | 13.82% | 13.82% |
| Q1 2025 | 15.95% | 14.06% | 14.06% |
| Q2 2025 | 16.31% | 14.85% | 14.85% |
| Q3 2025 | 16.88% | 15.60% | 15.60% |
| Q4 2025 | 16.92% | 15.86% | 15.86% |
| Q1 2026 | 15.70% | 14.73% | 14.73% |
| Q2 2026 | 16.19% | 15.62% | 15.62% |
Richton Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Richton Bank & Trust Company, 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 Richton Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11817) · FFIEC NIC profile (RSSD 40033)