Riverbank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Equity capital to total assets fell 0.38 percentage points in Q2 2026 to 11.49%, the biggest move on this page.
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 | 12.18% |
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 | $20.0M |
| Tier 1 capital | $20.0M |
| Total risk-based capital | — |
| Total equity capital | $20.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.49% |
| Tangible equity to tangible assets | 11.39% |
| Equity capital to average assets | 12.18% |
| Internal capital growth rate | 9.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $6.1M |
| Retained earnings | $14.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$176K |
| 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 | 20.05% | 20.05% | 21.31% | 14.38% | $78.9M |
| Q4 2023 | 22.36% | 22.36% | 23.62% | 14.22% | $70.1M |
| Q1 2024 | 21.33% | 21.33% | 22.59% | 15.54% | $75.3M |
| Q2 2024 | 20.23% | 20.23% | 21.49% | 14.59% | $81.5M |
| Q3 2024 | 19.18% | 19.18% | 20.44% | 12.70% | $88.0M |
| Q4 2024 | 19.68% | 19.68% | 20.94% | 12.27% | $86.3M |
| Q1 2025 | — | — | — | 13.00% | — |
| Q2 2025 | — | — | — | 12.22% | — |
| Q3 2025 | — | — | — | 11.72% | — |
| Q4 2025 | — | — | — | 11.72% | — |
| Q1 2026 | — | — | — | 12.24% | — |
| Q2 2026 | — | — | — | 12.18% | — |
Riverbank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverbank, 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 Riverbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31711) · FFIEC NIC profile (RSSD 29476)