River Bank & Trust: 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%.
Retained earnings rose 6.7% from Q1 2026 to Q2 2026, ending at $217.7M against $204.0M. It was the largest change among the key lines on this page. River Bank & Trust ranks 24th of 36 Alabama banks on CET1 ratio, in the lower half at 12.57% (Q2 2026). River Bank & Trust reported 12.57% on CET1 ratio for Q2 2026, 0.93 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.57% |
| Tier 1 risk-based capital ratio | 12.57% |
| Total risk-based capital ratio | 13.82% |
| Tier 1 leverage ratio | 9.23% |
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 | $364.5M |
| Tier 1 capital | $364.5M |
| Total risk-based capital | $400.8M |
| Total equity capital | $355.1M |
| Risk-weighted assets | $2.90B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.84% |
| Tangible equity to tangible assets | 8.19% |
| Equity capital to average assets | 8.93% |
| Internal capital growth rate | 16.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $171.8M |
| Retained earnings | $217.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$37.4M |
| 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 | 11.66% | 11.66% | 12.88% | 8.60% | $2.28B |
| Q4 2023 | 11.57% | 11.57% | 12.79% | 8.65% | $2.37B |
| Q1 2024 | 11.51% | 11.51% | 12.75% | 8.53% | $2.41B |
| Q2 2024 | 11.77% | 11.77% | 13.02% | 8.52% | $2.42B |
| Q3 2024 | 11.91% | 11.91% | 13.16% | 8.54% | $2.47B |
| Q4 2024 | 11.90% | 11.90% | 13.15% | 8.56% | $2.55B |
| Q1 2025 | 11.96% | 11.96% | 13.21% | 8.63% | $2.58B |
| Q2 2025 | 12.31% | 12.31% | 13.56% | 8.80% | $2.61B |
| Q3 2025 | 12.33% | 12.33% | 13.58% | 8.80% | $2.70B |
| Q4 2025 | 12.58% | 12.58% | 13.83% | 8.97% | $2.73B |
| Q1 2026 | 12.53% | 12.53% | 13.78% | 9.14% | $2.80B |
| Q2 2026 | 12.57% | 12.57% | 13.82% | 9.23% | $2.90B |
River Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock River Bank & Trust, 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 River Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58255) · FFIEC NIC profile (RSSD 3437157)