Spencer County 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 biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged up 0.22 percentage points between Q1 2026 and Q2 2026, to 14.27%.
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 | 14.57% |
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 | $19.3M |
| Tier 1 capital | $19.3M |
| Total risk-based capital | — |
| Total equity capital | $18.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.27% |
| Tangible equity to tangible assets | 14.27% |
| Equity capital to average assets | 14.14% |
| Internal capital growth rate | 5.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $3.8M |
| Retained earnings | $15.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$564K |
| 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 | 13.10% | 11.81% | 11.81% |
| Q4 2023 | 13.48% | 12.57% | 12.57% |
| Q1 2024 | 13.55% | 12.15% | 12.15% |
| Q2 2024 | 13.55% | 12.73% | 12.73% |
| Q3 2024 | 13.92% | 13.44% | 13.44% |
| Q4 2024 | 13.97% | 13.25% | 13.25% |
| Q1 2025 | 14.09% | 13.37% | 13.37% |
| Q2 2025 | 14.09% | 13.48% | 13.48% |
| Q3 2025 | 14.02% | 13.70% | 13.70% |
| Q4 2025 | 14.19% | 13.96% | 13.96% |
| Q1 2026 | 14.45% | 14.05% | 14.05% |
| Q2 2026 | 14.57% | 14.27% | 14.27% |
Spencer County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Spencer County 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 Spencer County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5786) · FFIEC NIC profile (RSSD 871648)