Robertson Banking 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 Accumulated other comprehensive income: 8.2% lower than in Q1 2026, at -$1.9M. Within Alabama, Robertson Banking Company is 16th of 36 on CET1 ratio, 14.86% as of Q2 2026, above the middle of the field. At 14.86%, Robertson Banking Company's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.86% |
| Tier 1 risk-based capital ratio | 14.86% |
| Total risk-based capital ratio | 16.11% |
| Tier 1 leverage ratio | 11.26% |
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 | $52.9M |
| Tier 1 capital | $52.9M |
| Total risk-based capital | $57.4M |
| Total equity capital | $51.1M |
| Risk-weighted assets | $356.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.03% |
| Tangible equity to tangible assets | 11.03% |
| Equity capital to average assets | 10.87% |
| Internal capital growth rate | 15.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $335K |
| Common stock surplus | $3.2M |
| Retained earnings | $49.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | 12.32% | 12.32% | 13.56% | 9.91% | $365.3M |
| Q4 2023 | 12.26% | 12.26% | 13.51% | 9.40% | $350.7M |
| Q1 2024 | 12.72% | 12.72% | 13.98% | 9.66% | $353.0M |
| Q2 2024 | 13.13% | 13.13% | 14.38% | 10.08% | $356.5M |
| Q3 2024 | 13.53% | 13.53% | 14.78% | 10.30% | $359.9M |
| Q4 2024 | 12.96% | 12.96% | 14.21% | 9.67% | $352.8M |
| Q1 2025 | 13.85% | 13.85% | 15.11% | 10.06% | $345.0M |
| Q2 2025 | 14.62% | 14.62% | 15.87% | 10.38% | $339.0M |
| Q3 2025 | 14.96% | 14.96% | 16.21% | 10.85% | $345.7M |
| Q4 2025 | 14.07% | 14.07% | 15.33% | 10.32% | $347.5M |
| Q1 2026 | 14.44% | 14.44% | 15.69% | 10.88% | $353.4M |
| Q2 2026 | 14.86% | 14.86% | 16.11% | 11.26% | $356.1M |
Robertson Banking Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Robertson Banking 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 Robertson Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 39) · FFIEC NIC profile (RSSD 430036)