Table Rock 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%.
Retained earnings climbed 10.2% in Q2 2026, from $11.8M to $13.0M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Table Rock Community Bank is 85th of 98 on CET1 ratio, 10.84% as of Q2 2026, below the middle of the field. Table Rock Community Bank reported 10.84% on CET1 ratio for Q2 2026, 4.23 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.84% |
| Tier 1 risk-based capital ratio | 10.84% |
| Total risk-based capital ratio | 11.99% |
| Tier 1 leverage ratio | 8.25% |
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 | $44.6M |
| Tier 1 capital | $44.6M |
| Total risk-based capital | $49.3M |
| Total equity capital | $43.9M |
| Risk-weighted assets | $411.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.72% |
| Tangible equity to tangible assets | 7.24% |
| Equity capital to average assets | 8.09% |
| Internal capital growth rate | 12.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.6M |
| Common stock surplus | $30.9M |
| Retained earnings | $13.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.6M |
| 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 | 13.34% | 13.34% | 13.84% | 8.50% | $100.3M |
| Q4 2023 | 12.71% | 12.71% | 13.17% | 8.76% | $106.8M |
| Q1 2024 | 12.11% | 12.11% | 12.77% | 8.31% | $111.0M |
| Q2 2024 | 12.15% | 12.15% | 12.81% | 8.50% | $114.3M |
| Q3 2024 | 12.21% | 12.21% | 12.87% | 8.38% | $118.3M |
| Q4 2024 | 9.81% | 9.81% | 10.68% | 7.36% | $287.3M |
| Q1 2025 | 10.57% | 10.57% | 11.54% | 8.07% | $303.1M |
| Q2 2025 | 11.09% | 11.09% | 12.10% | 8.26% | $324.1M |
| Q3 2025 | 11.32% | 11.32% | 12.36% | 8.37% | $347.4M |
| Q4 2025 | 10.34% | 10.34% | 11.40% | 7.99% | $385.4M |
| Q1 2026 | 10.66% | 10.66% | 11.86% | 7.69% | $382.3M |
| Q2 2026 | 10.84% | 10.84% | 11.99% | 8.25% | $411.3M |
Table Rock Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Table Rock 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 Table Rock Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58300) · FFIEC NIC profile (RSSD 3446225)