Sound 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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.55 percentage points to 10.98%.
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 | 10.93% |
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 | $117.1M |
| Tier 1 capital | $117.1M |
| Total risk-based capital | — |
| Total equity capital | $117.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.98% |
| Tangible equity to tangible assets | 10.92% |
| Equity capital to average assets | 10.92% |
| Internal capital growth rate | 2.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $24.0M |
| Retained earnings | $93.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$799K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.23% | 10.83% | 10.75% |
| Q4 2023 | 10.99% | 11.32% | 11.25% |
| Q1 2024 | 10.55% | 10.23% | 10.17% |
| Q2 2024 | 10.58% | 10.46% | 10.39% |
| Q3 2024 | 10.40% | 10.28% | 10.22% |
| Q4 2024 | 10.60% | 11.53% | 11.46% |
| Q1 2025 | 10.76% | 10.52% | 10.45% |
| Q2 2025 | 10.60% | 10.51% | 10.44% |
| Q3 2025 | 10.71% | 10.70% | 10.63% |
| Q4 2025 | 10.93% | 10.64% | 10.57% |
| Q1 2026 | 10.62% | 10.44% | 10.37% |
| Q2 2026 | 10.93% | 10.98% | 10.92% |
Sound Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sound 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 Sound Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57451) · FFIEC NIC profile (RSSD 429487)