Surety 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to total assets climbed 1.22 percentage points in Q2 2026, from 9.93% to 11.15%. It was the largest change from Q1 2026 among the key lines here. Within Florida, Surety Bank is 9th of 56 on CET1 ratio, 23.84% as of Q2 2026. Against a median of 15.08% for banks in the $100M-1B asset tier, Surety Bank reported 23.84% on CET1 ratio in Q2 2026, 8.76 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.84% |
| Tier 1 risk-based capital ratio | 23.84% |
| Total risk-based capital ratio | 24.93% |
| Tier 1 leverage ratio | 13.24% |
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 | $28.6M |
| Tier 1 capital | $28.6M |
| Total risk-based capital | $29.9M |
| Total equity capital | $23.8M |
| Risk-weighted assets | $119.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.15% |
| Tangible equity to tangible assets | 11.15% |
| Equity capital to average assets | 11.05% |
| Internal capital growth rate | 12.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.6M |
| Common stock surplus | $5.4M |
| Retained earnings | $21.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.7M |
| 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 | 24.90% | 24.90% | 25.99% | 11.86% | $92.6M |
| Q4 2023 | 23.72% | 23.72% | 24.78% | 12.12% | $99.6M |
| Q1 2024 | 23.88% | 23.88% | 24.93% | 11.76% | $101.0M |
| Q2 2024 | 25.62% | 25.62% | 26.77% | 11.96% | $96.4M |
| Q3 2024 | 24.45% | 24.45% | 25.53% | 12.48% | $102.1M |
| Q4 2024 | 27.88% | 27.88% | 29.10% | 12.66% | $90.7M |
| Q1 2025 | 25.93% | 25.93% | 27.05% | 13.28% | $99.1M |
| Q2 2025 | 25.41% | 25.41% | 26.48% | 13.37% | $103.7M |
| Q3 2025 | 27.05% | 27.05% | 28.16% | 13.57% | $100.4M |
| Q4 2025 | 25.46% | 25.46% | 26.48% | 13.95% | $108.4M |
| Q1 2026 | 23.65% | 23.65% | 24.65% | 12.93% | $117.8M |
| Q2 2026 | 23.84% | 23.84% | 24.93% | 13.24% | $119.8M |
Surety Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Surety 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 Surety Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33026) · FFIEC NIC profile (RSSD 374774)