Solera National 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%.
Accumulated other comprehensive income climbed 13.0% in Q2 2026, from -$31.7M to -$27.6M. 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 | 8.63% |
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 | $148.0M |
| Tier 1 capital | $148.0M |
| Total risk-based capital | — |
| Total equity capital | $120.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.75% |
| Tangible equity to tangible assets | 7.75% |
| Equity capital to average assets | 7.02% |
| Internal capital growth rate | 23.71% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $16.6M |
| Common stock surplus | $18.8M |
| Retained earnings | $112.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$27.6M |
| 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 | 9.67% | 9.67% | 10.70% | 7.37% | $925.7M |
| Q4 2023 | 10.20% | 10.20% | 11.26% | 7.59% | $913.6M |
| Q1 2024 | 10.08% | 10.08% | 11.23% | 7.60% | $954.0M |
| Q2 2024 | 10.84% | 10.84% | 12.03% | 7.91% | $924.5M |
| Q3 2024 | 11.62% | 11.62% | 12.82% | 8.64% | $916.5M |
| Q4 2024 | 12.43% | 12.43% | 13.66% | 9.32% | $898.7M |
| Q1 2025 | 13.36% | 13.36% | 14.61% | 9.80% | $870.6M |
| Q2 2025 | — | — | — | 9.52% | — |
| Q3 2025 | — | — | — | 10.43% | — |
| Q4 2025 | — | — | — | 9.79% | — |
| Q1 2026 | — | — | — | 9.02% | — |
| Q2 2026 | — | — | — | 8.63% | — |
Solera National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Solera National 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 Solera National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58534) · FFIEC NIC profile (RSSD 3397233)