Tnbank: 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 Accumulated other comprehensive income: 11.4% higher than in Q1 2026, at -$5.4M. Tnbank ranks 50th of 71 Tennessee banks on CET1 ratio, in the lower half at 12.31% (Q2 2026). Tnbank reported 12.31% on CET1 ratio for Q2 2026, 2.76 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 | 12.31% |
| Tier 1 risk-based capital ratio | 12.31% |
| Total risk-based capital ratio | 13.35% |
| Tier 1 leverage ratio | 10.61% |
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 | $32.8M |
| Tier 1 capital | $32.8M |
| Total risk-based capital | $35.6M |
| Total equity capital | $27.4M |
| Risk-weighted assets | $266.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.61% |
| Tangible equity to tangible assets | 8.61% |
| Equity capital to average assets | 8.87% |
| Internal capital growth rate | 6.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $534K |
| Common stock surplus | $16.2M |
| Retained earnings | $16.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.4M |
| 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 | 11.07% | 11.07% | 11.97% | 9.78% | $259.9M |
| Q4 2023 | 11.68% | 11.68% | 12.65% | 10.00% | $250.8M |
| Q1 2024 | 12.08% | 12.08% | 13.04% | 10.00% | $248.0M |
| Q2 2024 | 12.24% | 12.24% | 13.17% | 10.15% | $246.9M |
| Q3 2024 | 12.24% | 12.24% | 13.28% | 9.97% | $245.9M |
| Q4 2024 | 12.15% | 12.15% | 13.18% | 10.26% | $252.5M |
| Q1 2025 | 12.18% | 12.18% | 13.15% | 10.49% | $256.6M |
| Q2 2025 | 12.76% | 12.76% | 13.80% | 10.75% | $250.4M |
| Q3 2025 | 12.58% | 12.58% | 13.59% | 10.97% | $254.0M |
| Q4 2025 | 12.84% | 12.84% | 13.88% | 10.99% | $252.9M |
| Q1 2026 | 13.02% | 13.02% | 14.10% | 10.64% | $248.3M |
| Q2 2026 | 12.31% | 12.31% | 13.35% | 10.61% | $266.3M |
Tnbank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Tnbank, 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 Tnbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34023) · FFIEC NIC profile (RSSD 2305969)