Rockpointbank, N.A.: 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: 1.11 percentage points lower than in Q1 2026, at 11.54%. Rockpointbank, N.A. ranks 35th of 71 Tennessee banks on CET1 ratio, in the upper half at 13.83% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Rockpointbank, N.A. sits 1.25 points lower, at 13.83% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.83% |
| Tier 1 risk-based capital ratio | 13.83% |
| Total risk-based capital ratio | 14.89% |
| Tier 1 leverage ratio | 12.13% |
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 | $43.7M |
| Tier 1 capital | $43.7M |
| Total risk-based capital | $47.0M |
| Total equity capital | $44.4M |
| Risk-weighted assets | $315.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.54% |
| Tangible equity to tangible assets | 11.54% |
| Equity capital to average assets | 12.28% |
| Internal capital growth rate | 1.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.7M |
| Common stock surplus | $46.3M |
| Retained earnings | -$6.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$610K |
| 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 | 21.00% | 21.00% | 22.02% | 18.81% | $190.7M |
| Q4 2023 | 19.71% | 19.71% | 20.72% | 17.45% | $199.7M |
| Q1 2024 | 18.40% | 18.40% | 19.36% | 16.10% | $213.5M |
| Q2 2024 | 16.80% | 16.80% | 17.79% | 14.50% | $233.7M |
| Q3 2024 | 16.31% | 16.31% | 17.31% | 13.28% | $242.6M |
| Q4 2024 | 16.26% | 16.26% | 17.23% | 13.00% | $246.7M |
| Q1 2025 | 16.02% | 16.02% | 17.00% | 13.04% | $252.6M |
| Q2 2025 | 15.40% | 15.40% | 16.39% | 13.02% | $265.0M |
| Q3 2025 | 14.77% | 14.77% | 15.77% | 12.58% | $279.2M |
| Q4 2025 | 14.85% | 14.85% | 15.84% | 12.62% | $288.6M |
| Q1 2026 | 14.89% | 14.89% | 15.89% | 12.62% | $290.9M |
| Q2 2026 | 13.83% | 13.83% | 14.89% | 12.13% | $315.9M |
Rockpointbank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Rockpointbank, N.A., 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 Rockpointbank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59206) · FFIEC NIC profile (RSSD 5574430)