Thumb Bank & Trust: 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.
The standout move of Q2 2026 was in Retained earnings: 12.9% higher than in Q1 2026, at $7.3M.
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 | 9.44% |
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 | $63.6M |
| Tier 1 capital | $63.6M |
| Total risk-based capital | — |
| Total equity capital | $64.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.53% |
| Tangible equity to tangible assets | 7.92% |
| Equity capital to average assets | 9.37% |
| Internal capital growth rate | 5.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $526K |
| Common stock surplus | $67.5M |
| Retained earnings | $7.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.1M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.89% | 12.89% | 13.67% | 8.88% | $394.5M |
| Q4 2023 | 13.60% | 13.60% | 14.38% | 9.12% | $397.3M |
| Q1 2024 | 14.27% | 14.27% | 15.14% | 8.97% | $385.8M |
| Q2 2024 | 14.43% | 14.43% | 15.37% | 9.21% | $388.8M |
| Q3 2024 | 14.37% | 14.37% | 15.29% | 9.41% | $397.3M |
| Q4 2024 | 13.47% | 13.47% | 14.33% | 8.73% | $423.3M |
| Q1 2025 | 13.85% | 13.85% | 14.76% | 9.22% | $422.0M |
| Q2 2025 | 13.87% | 13.87% | 14.79% | 9.29% | $430.4M |
| Q3 2025 | 14.08% | 14.08% | 14.98% | 9.40% | $434.3M |
| Q4 2025 | 13.86% | 13.86% | 14.74% | 9.53% | $453.6M |
| Q1 2026 | 13.77% | 13.77% | 14.72% | 9.18% | $453.9M |
| Q2 2026 | — | — | — | 9.44% | — |
Thumb Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Thumb Bank & Trust, 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 Thumb Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14513) · FFIEC NIC profile (RSSD 698649)