Terrabank, N.A.: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
Terrabank, N.A. reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 9.95% in Q3 2026, down 0.92 percentage points from 10.87% in Q3 2025. Across the 12 quarters shown it ranged from 9.95% (Q3 2026) to 11.15% (Q1 2025).
What the capital ratios and amounts page covers and where each line comes from.
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.
Risk-weighted assets climbed 7.9% in Q3 2026, from $583.7M to $629.5M. It was the largest change from Q2 2026 among the key lines here. On CET1 ratio, Terrabank, N.A. is 1st from the bottom among 55 Florida banks, 9.95% (Q3 2026). The median for banks in the $100M-1B asset tier is 15.24% on CET1 ratio. Terrabank, N.A. sits 5.29 points lower, at 9.95% (Q3 2026).
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.95% |
| Tier 1 risk-based capital ratio | 14.01% |
| Total risk-based capital ratio | 15.27% |
| Tier 1 leverage ratio | 9.26% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R; Common equity Tier 1 ratio: Call Report Schedule RC-R, Part I (RCOAP793); Tier 1 risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7206); Total risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7205); Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $62.6M |
| Tier 1 capital | $88.2M |
| Total risk-based capital | $96.1M |
| Total equity capital | $79.4M |
| Risk-weighted assets | $629.5M |
Source: Call Report Schedule RC-R; Total equity capital: Call Report Schedule RC, item 27.a (RCON3210). Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 8.19% |
| Tangible equity to tangible assets | 8.19% |
| Equity capital to average assets | 8.34% |
| Internal capital growth rate | 10.03% |
Source: Call Report Schedule RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $9.4M |
| Retained earnings | $48.3M |
| Preferred stock and surplus | $25.6M |
| Accumulated other comprehensive income | -$8.8M |
| Subordinated notes and debentures | $0 |
Source: Call Report Schedule RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 10.44% | 14.08% | 15.31% | 8.44% | $476.7M |
| Q1 2024 | 10.31% | 14.08% | 15.39% | 8.42% | $484.4M |
| Q2 2024 | 10.33% | 14.09% | 15.44% | 8.52% | $488.8M |
| Q3 2024 | 10.54% | 14.31% | 15.67% | 8.57% | $487.9M |
| Q4 2024 | 10.85% | 15.16% | 16.56% | 9.04% | $484.5M |
| Q1 2025 | 11.15% | 16.00% | 17.26% | 9.58% | $481.4M |
| Q2 2025 | 10.80% | 15.82% | 17.22% | 9.68% | $509.1M |
| Q3 2025 | 10.87% | 15.80% | 17.05% | 9.72% | $518.9M |
| Q4 2025 | 10.93% | 15.70% | 16.95% | 9.86% | $536.0M |
| Q1 2026 | 10.73% | 15.35% | 16.61% | 9.86% | $553.7M |
| Q2 2026 | 10.40% | 14.78% | 16.03% | 9.82% | $583.7M |
| Q3 2026 | 9.95% | 14.01% | 15.27% | 9.26% | $629.5M |
Terrabank, N.A. capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. How these pages are built. See the full Terrabank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26442) · FFIEC NIC profile (RSSD 238737)