Sunmark 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 standout move of Q3 2026 was in Accumulated other comprehensive income: 31.9% lower than in Q2 2026, at -$1.5M.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.72% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $76.1M |
| Tier 1 capital | $76.1M |
| Total risk-based capital | — |
| Total equity capital | $78.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 14.31% |
| Tangible equity to tangible assets | 13.76% |
| Equity capital to average assets | 14.00% |
| Internal capital growth rate | -18.05% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $180K |
| Common stock surplus | $5.8M |
| Retained earnings | $73.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 |
|---|---|---|---|
| Q4 2023 | 11.19% | 10.70% | 10.70% |
| Q1 2024 | 11.94% | 11.73% | 11.73% |
| Q2 2024 | 12.50% | 11.93% | 11.93% |
| Q3 2024 | 12.68% | 12.37% | 12.37% |
| Q4 2024 | 12.73% | 12.16% | 12.16% |
| Q1 2025 | 13.46% | 12.89% | 12.89% |
| Q2 2025 | 13.44% | 13.05% | 13.05% |
| Q3 2025 | 13.96% | 14.01% | 14.01% |
| Q4 2025 | 12.49% | 11.94% | 11.94% |
| Q1 2026 | 14.12% | 14.80% | 14.20% |
| Q2 2026 | 14.61% | 14.76% | 14.20% |
| Q3 2026 | 13.72% | 14.31% | 13.76% |
Sunmark Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunmark 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 Sunmark Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16825) · FFIEC NIC profile (RSSD 100236)