Scottsdale Community Bank: 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 average assets: 0.80 percentage points lower than in Q1 2026, at 11.15%.
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 | 11.37% |
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 | $13.4M |
| Tier 1 capital | $13.4M |
| Total risk-based capital | — |
| Total equity capital | $13.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.51% |
| Tangible equity to tangible assets | 10.51% |
| Equity capital to average assets | 11.15% |
| Internal capital growth rate | 3.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $19.3M |
| Common stock surplus | $1.6M |
| Retained earnings | -$7.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$264K |
| 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 | 35.24% | 29.81% | 29.81% |
| Q4 2023 | 31.82% | 27.35% | 27.35% |
| Q1 2024 | 27.53% | 23.49% | 23.49% |
| Q2 2024 | 25.12% | 21.50% | 21.50% |
| Q3 2024 | 21.98% | 19.20% | 19.20% |
| Q4 2024 | 20.20% | 17.33% | 17.33% |
| Q1 2025 | 18.06% | 15.88% | 15.88% |
| Q2 2025 | 15.83% | 14.20% | 14.20% |
| Q3 2025 | 14.11% | 13.41% | 13.41% |
| Q4 2025 | 13.22% | 12.21% | 12.21% |
| Q1 2026 | 12.15% | 11.16% | 11.16% |
| Q2 2026 | 11.37% | 10.51% | 10.51% |
Scottsdale Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Scottsdale Community Bank, 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 Scottsdale Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59203) · FFIEC NIC profile (RSSD 5691319)