Synergy 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%.
Compared with Q1 2026, Retained earnings rose 6.3% in Q2 2026 to $88.4M, the biggest move on this page.
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 | 11.26% |
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 | $139.6M |
| Tier 1 capital | $139.6M |
| Total risk-based capital | — |
| Total equity capital | $175.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.70% |
| Tangible equity to tangible assets | 11.11% |
| Equity capital to average assets | 13.76% |
| Internal capital growth rate | 12.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $87.0M |
| Retained earnings | $88.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$650K |
| 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 | 12.20% | 12.45% | 9.91% |
| Q4 2023 | 10.00% | 12.89% | 9.86% |
| Q1 2024 | 10.58% | 13.18% | 10.22% |
| Q2 2024 | 10.93% | 13.53% | 10.61% |
| Q3 2024 | 11.28% | 13.92% | 11.06% |
| Q4 2024 | 10.33% | 13.20% | 10.33% |
| Q1 2025 | 10.79% | 13.36% | 10.57% |
| Q2 2025 | 11.08% | 13.62% | 10.90% |
| Q3 2025 | 11.54% | 14.20% | 11.49% |
| Q4 2025 | 10.62% | 13.45% | 10.73% |
| Q1 2026 | 11.06% | 13.51% | 10.87% |
| Q2 2026 | 11.26% | 13.70% | 11.11% |
Synergy Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Synergy 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 Synergy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34978) · FFIEC NIC profile (RSSD 2748502)