Solutions Plus 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 Equity capital to average assets: 17.05 percentage points lower than in Q1 2026, at 56.75%.
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 | 56.70% |
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 | $22.4M |
| Tier 1 capital | $22.4M |
| Total risk-based capital | — |
| Total equity capital | $22.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 51.43% |
| Tangible equity to tangible assets | 51.24% |
| Equity capital to average assets | 56.75% |
| Internal capital growth rate | -8.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.6M |
| Common stock surplus | $23.5M |
| Retained earnings | -$3.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$54K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 3 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 |
|---|---|---|---|
| Q4 2025 | 91.05% | 87.52% | 87.52% |
| Q1 2026 | 73.78% | 67.46% | 67.29% |
| Q2 2026 | 56.70% | 51.43% | 51.24% |
Solutions Plus Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Solutions Plus 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 Solutions Plus Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59362) · FFIEC NIC profile (RSSD 5975224)