Scribner 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%.
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.
Retained earnings climbed 17.8% in Q2 2026, from $3.4M to $4.0M. It was the largest change from Q1 2026 among the key lines here.
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 | 16.56% |
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 | $14.4M |
| Tier 1 capital | $14.4M |
| Total risk-based capital | — |
| Total equity capital | $14.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.51% |
| Tangible equity to tangible assets | 16.51% |
| Equity capital to average assets | 16.49% |
| Internal capital growth rate | 17.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $450K |
| Common stock surplus | $9.9M |
| Retained earnings | $4.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$66K |
| 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 | 22.13% | 22.13% | 23.38% | 11.92% | $46.6M |
| Q4 2023 | 19.29% | 19.29% | 20.55% | 12.95% | $55.5M |
| Q1 2024 | 21.87% | 21.87% | 23.13% | 13.19% | $49.9M |
| Q2 2024 | 21.88% | 21.88% | 23.14% | 14.20% | $52.2M |
| Q3 2024 | 23.92% | 23.92% | 25.18% | 14.88% | $49.5M |
| Q4 2024 | 20.66% | 20.66% | 21.91% | 15.50% | $58.4M |
| Q1 2025 | 21.22% | 21.22% | 22.47% | 15.31% | $57.6M |
| Q2 2025 | 21.16% | 21.16% | 22.41% | 15.42% | $60.4M |
| Q3 2025 | — | — | — | 15.70% | — |
| Q4 2025 | — | — | — | 15.38% | — |
| Q1 2026 | — | — | — | 15.65% | — |
| Q2 2026 | — | — | — | 16.56% | — |
Scribner Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Scribner 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 Scribner Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14026) · FFIEC NIC profile (RSSD 711753)