Spectra 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%.
Equity capital to average assets dropped 1.29 percentage points in Q2 2026, from 8.46% to 7.17%. 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 | 7.88% |
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 | $10.4M |
| Tier 1 capital | $10.4M |
| Total risk-based capital | — |
| Total equity capital | $9.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.51% |
| Tangible equity to tangible assets | 7.50% |
| Equity capital to average assets | 7.17% |
| Internal capital growth rate | 0.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $10.1M |
| Retained earnings | -$909K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$938K |
| 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 | 8.35% | 8.35% | 9.60% | 6.01% | $61.5M |
| Q4 2023 | 8.42% | 8.42% | 9.67% | 5.63% | $55.9M |
| Q1 2024 | 8.53% | 8.53% | 9.79% | 5.58% | $56.4M |
| Q2 2024 | 8.39% | 8.39% | 9.64% | 5.83% | $58.3M |
| Q3 2024 | 8.46% | 8.46% | 9.71% | 5.53% | $59.0M |
| Q4 2024 | 8.19% | 8.19% | 9.38% | 5.29% | $63.3M |
| Q1 2025 | — | — | — | 9.88% | — |
| Q2 2025 | — | — | — | 9.79% | — |
| Q3 2025 | — | — | — | 9.91% | — |
| Q4 2025 | — | — | — | 9.64% | — |
| Q1 2026 | — | — | — | 9.24% | — |
| Q2 2026 | — | — | — | 7.88% | — |
Spectra Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Spectra 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 Spectra Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26708) · FFIEC NIC profile (RSSD 426057)