Today's 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%.
Accumulated other comprehensive income dropped 9.2% in Q2 2026, from -$6.2M to -$6.8M. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Today's Bank is 19th of 37 on CET1 ratio, 13.81% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Today's Bank sits 1.26 points lower, at 13.81% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.81% |
| Tier 1 risk-based capital ratio | 13.81% |
| Total risk-based capital ratio | 15.06% |
| Tier 1 leverage ratio | 9.54% |
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 | $34.2M |
| Tier 1 capital | $34.2M |
| Total risk-based capital | $37.2M |
| Total equity capital | $27.4M |
| Risk-weighted assets | $247.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.80% |
| Tangible equity to tangible assets | 7.80% |
| Equity capital to average assets | 7.65% |
| Internal capital growth rate | 8.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $9.2M |
| Retained earnings | $24.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.8M |
| 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 | 12.96% | 12.96% | 14.22% | 9.03% | $235.6M |
| Q4 2023 | 12.52% | 12.52% | 13.77% | 9.01% | $246.3M |
| Q1 2024 | 12.02% | 12.02% | 13.27% | 9.00% | $258.2M |
| Q2 2024 | 12.69% | 12.69% | 13.95% | 9.12% | $247.0M |
| Q3 2024 | 12.62% | 12.62% | 13.87% | 9.07% | $251.1M |
| Q4 2024 | 12.78% | 12.78% | 14.04% | 8.85% | $239.0M |
| Q1 2025 | 12.75% | 12.75% | 14.00% | 8.98% | $244.1M |
| Q2 2025 | 13.37% | 13.37% | 14.62% | 8.93% | $236.3M |
| Q3 2025 | 14.00% | 14.00% | 15.26% | 9.17% | $228.6M |
| Q4 2025 | 13.38% | 13.38% | 14.63% | 9.21% | $242.9M |
| Q1 2026 | 13.61% | 13.61% | 14.86% | 9.33% | $242.4M |
| Q2 2026 | 13.81% | 13.81% | 15.06% | 9.54% | $247.3M |
Today's Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Today's 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 Today's Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33470) · FFIEC NIC profile (RSSD 1879016)