Sound Banking Company: 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%.
Equity capital to total assets dropped 1.69 percentage points in Q2 2026, from 13.71% to 12.02%. It was the largest change from Q1 2026 among the key lines here. Sound Banking Company ranks 4th of 21 Washington banks on CET1 ratio, in the upper half at 15.27% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Sound Banking Company sits 4.30 points lower, at 15.27% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.27% |
| Tier 1 risk-based capital ratio | 15.27% |
| Total risk-based capital ratio | 16.52% |
| Tier 1 leverage ratio | 12.08% |
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 | $5.4M |
| Tier 1 capital | $5.4M |
| Total risk-based capital | $5.9M |
| Total equity capital | $5.4M |
| Risk-weighted assets | $35.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.02% |
| Tangible equity to tangible assets | 12.02% |
| Equity capital to average assets | 12.08% |
| Internal capital growth rate | -26.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $244K |
| Common stock surplus | $2.2M |
| Retained earnings | $3.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 16.28% | 16.28% | 17.53% | 12.34% | $37.2M |
| Q4 2023 | 14.39% | 14.39% | 15.65% | 12.00% | $38.7M |
| Q1 2024 | 15.19% | 15.19% | 16.45% | 13.17% | $38.7M |
| Q2 2024 | 13.56% | 13.56% | 14.82% | 12.17% | $39.7M |
| Q3 2024 | 14.02% | 14.02% | 15.28% | 11.44% | $40.4M |
| Q4 2024 | 14.25% | 14.25% | 15.51% | 10.54% | $38.2M |
| Q1 2025 | 14.79% | 14.79% | 16.04% | 11.68% | $38.4M |
| Q2 2025 | 13.80% | 13.80% | 15.06% | 11.30% | $39.1M |
| Q3 2025 | 14.10% | 14.10% | 15.35% | 12.08% | $40.6M |
| Q4 2025 | 14.13% | 14.13% | 15.38% | 11.94% | $39.3M |
| Q1 2026 | 16.84% | 16.84% | 18.10% | 13.06% | $34.5M |
| Q2 2026 | 15.27% | 15.27% | 16.52% | 12.08% | $35.6M |
Sound Banking Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sound Banking Company, 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 Sound Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33183) · FFIEC NIC profile (RSSD 1494482)