Select 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.
The standout move of Q2 2026 was in Retained earnings: 9.4% higher than in Q1 2026, at $17.4M. On CET1 ratio, Select Bank is 4th from the bottom among 44 Virginia banks, 11.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Select Bank sits 3.57 points lower, at 11.52% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.52% |
| Tier 1 risk-based capital ratio | 11.52% |
| Total risk-based capital ratio | 12.37% |
| Tier 1 leverage ratio | 9.54% |
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 | $48.6M |
| Tier 1 capital | $48.6M |
| Total risk-based capital | $52.2M |
| Total equity capital | $43.5M |
| Risk-weighted assets | $422.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.29% |
| Tangible equity to tangible assets | 8.29% |
| Equity capital to average assets | 8.53% |
| Internal capital growth rate | 14.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.1M |
| Common stock surplus | $24.1M |
| Retained earnings | $17.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.1M |
| 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% | 13.11% | 8.73% | $325.5M |
| Q4 2023 | 12.26% | 12.26% | 13.04% | 8.61% | $328.0M |
| Q1 2024 | 12.31% | 12.31% | 13.21% | 8.76% | $332.3M |
| Q2 2024 | 12.19% | 12.19% | 13.07% | 8.93% | $339.8M |
| Q3 2024 | 11.93% | 11.93% | 12.79% | 8.87% | $349.5M |
| Q4 2024 | 11.45% | 11.45% | 12.35% | 8.79% | $365.0M |
| Q1 2025 | 11.10% | 11.10% | 12.00% | 8.67% | $382.6M |
| Q2 2025 | 11.16% | 11.16% | 12.04% | 8.71% | $390.3M |
| Q3 2025 | 11.52% | 11.52% | 12.39% | 8.94% | $392.2M |
| Q4 2025 | 11.54% | 11.54% | 12.41% | 8.96% | $397.7M |
| Q1 2026 | 11.88% | 11.88% | 12.79% | 9.30% | $396.6M |
| Q2 2026 | 11.52% | 11.52% | 12.37% | 9.54% | $422.2M |
Select Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Select 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 Select Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58563) · FFIEC NIC profile (RSSD 3567269)