Three Rivers Bank of Montana: 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 Q2 2026 was in Retained earnings: 30.0% higher than in Q1 2026, at $4.9M.
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 | 11.72% |
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 | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $34.9M |
| Tier 1 capital | $34.9M |
| Total risk-based capital | — |
| Total equity capital | $33.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.51% |
| Tangible equity to tangible assets | 11.51% |
| Equity capital to average assets | 11.34% |
| Internal capital growth rate | 13.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $29.0M |
| Retained earnings | $4.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 9.75% | 8.17% | 8.17% |
| Q4 2023 | 9.86% | 8.96% | 8.96% |
| Q1 2024 | 9.82% | 8.91% | 8.91% |
| Q2 2024 | 9.76% | 8.66% | 8.66% |
| Q3 2024 | 9.59% | 9.02% | 9.02% |
| Q4 2024 | 9.84% | 9.05% | 9.05% |
| Q1 2025 | 10.01% | 9.34% | 9.34% |
| Q2 2025 | 10.25% | 9.69% | 9.69% |
| Q3 2025 | 10.56% | 10.28% | 10.28% |
| Q4 2025 | 10.93% | 10.61% | 10.61% |
| Q1 2026 | 11.04% | 10.60% | 10.60% |
| Q2 2026 | 11.72% | 11.51% | 11.51% |
Three Rivers Bank of Montana regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Three Rivers Bank of Montana, 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 Three Rivers Bank of Montana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21557) · FFIEC NIC profile (RSSD 610557)