Tower Community 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%.
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.
Equity capital to average assets rose 0.53 percentage points from Q1 2026 to Q2 2026, ending at 10.73% against 10.21%. It was the largest change among the key lines on this page.
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 | 10.43% |
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 | $39.5M |
| Tier 1 capital | $39.5M |
| Total risk-based capital | — |
| Total equity capital | $40.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.87% |
| Tangible equity to tangible assets | 10.50% |
| Equity capital to average assets | 10.73% |
| Internal capital growth rate | 8.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $20.9M |
| Common stock surplus | $0 |
| Retained earnings | $20.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$234K |
| 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 | 11.79% | 11.79% | 12.62% | 8.79% | $287.7M |
| Q4 2023 | 11.22% | 11.22% | 12.07% | 8.75% | $302.6M |
| Q1 2024 | 11.35% | 11.35% | 12.35% | 8.49% | $303.9M |
| Q2 2024 | 11.40% | 11.40% | 12.38% | 8.60% | $309.6M |
| Q3 2024 | 12.84% | 12.84% | 13.98% | 8.90% | $280.2M |
| Q4 2024 | — | — | — | 9.26% | — |
| Q1 2025 | — | — | — | 9.33% | — |
| Q2 2025 | — | — | — | 9.46% | — |
| Q3 2025 | — | — | — | 9.72% | — |
| Q4 2025 | — | — | — | 9.74% | — |
| Q1 2026 | — | — | — | 9.89% | — |
| Q2 2026 | — | — | — | 10.43% | — |
Tower Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Tower Community 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 Tower Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20100) · FFIEC NIC profile (RSSD 989730)