The Seymour 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 Accumulated other comprehensive income: 9.6% higher than in Q1 2026, at -$5.4M.
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 | 11.30% |
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 | $25.1M |
| Tier 1 capital | $25.1M |
| Total risk-based capital | — |
| Total equity capital | $19.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.77% |
| Tangible equity to tangible assets | 8.77% |
| Equity capital to average assets | 8.88% |
| Internal capital growth rate | 12.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $150K |
| Retained earnings | $24.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.4M |
| 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 | 10.80% | 5.52% | 5.52% |
| Q4 2023 | 10.84% | 6.76% | 6.76% |
| Q1 2024 | 10.55% | 6.82% | 6.82% |
| Q2 2024 | 10.91% | 6.86% | 6.86% |
| Q3 2024 | 10.72% | 7.62% | 7.62% |
| Q4 2024 | 10.53% | 6.49% | 6.49% |
| Q1 2025 | 10.34% | 7.08% | 7.08% |
| Q2 2025 | 10.79% | 7.49% | 7.49% |
| Q3 2025 | 10.99% | 8.22% | 8.22% |
| Q4 2025 | 11.01% | 8.15% | 8.15% |
| Q1 2026 | 10.69% | 8.25% | 8.25% |
| Q2 2026 | 11.30% | 8.77% | 8.77% |
The Seymour Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Seymour 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 The Seymour Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15701) · FFIEC NIC profile (RSSD 428855)