Sherwood 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%.
Common equity tier 1 capital climbed 9.2% in Q2 2026, from $6.4M to $7.0M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Sherwood Community Bank is 59th of 98 on CET1 ratio, 12.78% as of Q2 2026, below the middle of the field. Sherwood Community Bank reported 12.78% on CET1 ratio for Q2 2026, 6.78 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.78% |
| Tier 1 risk-based capital ratio | 12.78% |
| Total risk-based capital ratio | 13.62% |
| Tier 1 leverage ratio | 9.02% |
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 | $7.0M |
| Tier 1 capital | $7.0M |
| Total risk-based capital | $7.4M |
| Total equity capital | $6.2M |
| Risk-weighted assets | $54.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.01% |
| Tangible equity to tangible assets | 8.01% |
| Equity capital to average assets | 8.06% |
| Internal capital growth rate | 23.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $25K |
| Common stock surplus | $368K |
| Retained earnings | $6.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$740K |
| 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 | 13.42% | 13.42% | 14.38% | 8.02% | $44.5M |
| Q4 2023 | 13.52% | 13.52% | 14.52% | 7.58% | $43.3M |
| Q1 2024 | 11.29% | 11.29% | 12.11% | 7.41% | $52.5M |
| Q2 2024 | 11.52% | 11.52% | 12.35% | 7.59% | $51.9M |
| Q3 2024 | 12.19% | 12.19% | 13.07% | 7.78% | $50.0M |
| Q4 2024 | 13.41% | 13.41% | 14.41% | 8.03% | $44.6M |
| Q1 2025 | 13.24% | 13.24% | 14.22% | 8.31% | $45.8M |
| Q2 2025 | 13.42% | 13.42% | 14.38% | 8.51% | $46.3M |
| Q3 2025 | 13.26% | 13.26% | 14.18% | 8.69% | $48.1M |
| Q4 2025 | 12.75% | 12.75% | 13.63% | 8.59% | $50.1M |
| Q1 2026 | 12.06% | 12.06% | 12.91% | 8.26% | $53.0M |
| Q2 2026 | 12.78% | 12.78% | 13.62% | 9.02% | $54.6M |
Sherwood Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sherwood 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 Sherwood Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1612) · FFIEC NIC profile (RSSD 887854)