SmartBank: 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.
Compared with Q1 2026, Retained earnings rose 4.5% in Q2 2026 to $302.9M, the biggest move on this page. Within Tennessee, SmartBank is 60th of 71 on CET1 ratio, 11.38% as of Q2 2026. SmartBank reported 11.38% on CET1 ratio for Q2 2026, 2.11 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.38% |
| Tier 1 risk-based capital ratio | 11.38% |
| Total risk-based capital ratio | 12.30% |
| Tier 1 leverage ratio | 9.86% |
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 | $575.5M |
| Tier 1 capital | $575.5M |
| Total risk-based capital | $622.1M |
| Total equity capital | $657.5M |
| Risk-weighted assets | $5.06B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.77% |
| Tangible equity to tangible assets | 9.36% |
| Equity capital to average assets | 11.09% |
| Internal capital growth rate | 8.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.4M |
| Common stock surplus | $364.2M |
| Retained earnings | $302.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.9M |
| 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 | 11.15% | 11.15% | 11.87% | 9.00% | $3.77B |
| Q4 2023 | 11.26% | 11.26% | 12.02% | 9.18% | $3.80B |
| Q1 2024 | 11.23% | 11.23% | 12.00% | 9.07% | $3.85B |
| Q2 2024 | 11.02% | 11.02% | 11.79% | 9.11% | $3.94B |
| Q3 2024 | 10.92% | 10.92% | 11.69% | 9.17% | $4.04B |
| Q4 2024 | 10.51% | 10.51% | 11.29% | 8.94% | $4.23B |
| Q1 2025 | 10.51% | 10.51% | 11.35% | 8.77% | $4.31B |
| Q2 2025 | 10.41% | 10.41% | 11.25% | 8.89% | $4.48B |
| Q3 2025 | 11.56% | 11.56% | 12.37% | 9.59% | $4.59B |
| Q4 2025 | 11.51% | 11.51% | 12.32% | 9.71% | $4.76B |
| Q1 2026 | 11.47% | 11.47% | 12.41% | 9.88% | $4.89B |
| Q2 2026 | 11.38% | 11.38% | 12.30% | 9.86% | $5.06B |
SmartBank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock SmartBank, 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 SmartBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58463) · FFIEC NIC profile (RSSD 3532641)