Town Center 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%.
Compared with Q1 2026, Risk-weighted assets rose 5.7% in Q2 2026 to $164.0M, the biggest move on this page. Town Center Bank ranks 151st of 198 Illinois banks on CET1 ratio, in the lower half at 12.24% (Q2 2026). Town Center Bank reported 12.24% on CET1 ratio for Q2 2026, 2.83 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 | 12.24% |
| Tier 1 risk-based capital ratio | 12.24% |
| Total risk-based capital ratio | 13.16% |
| Tier 1 leverage ratio | 11.38% |
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 | $20.1M |
| Tier 1 capital | $20.1M |
| Total risk-based capital | $21.6M |
| Total equity capital | $20.4M |
| Risk-weighted assets | $164.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.31% |
| Tangible equity to tangible assets | 11.31% |
| Equity capital to average assets | 11.53% |
| Internal capital growth rate | -1.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.3M |
| Common stock surplus | $20.7M |
| Retained earnings | -$2.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$563K |
| 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 | 12.61% | 12.61% | 13.64% | 12.02% | $124.2M |
| Q4 2023 | 13.01% | 13.01% | 14.07% | 11.63% | $124.0M |
| Q1 2024 | 12.93% | 12.93% | 13.99% | 11.03% | $127.1M |
| Q2 2024 | 12.63% | 12.63% | 13.66% | 11.45% | $134.1M |
| Q3 2024 | 13.16% | 13.16% | 14.25% | 10.87% | $132.2M |
| Q4 2024 | 13.46% | 13.46% | 14.54% | 11.03% | $133.3M |
| Q1 2025 | 14.10% | 14.10% | 15.18% | 10.81% | $130.5M |
| Q2 2025 | 13.46% | 13.46% | 14.47% | 11.39% | $140.2M |
| Q3 2025 | 13.27% | 13.27% | 14.25% | 11.62% | $145.3M |
| Q4 2025 | 13.30% | 13.30% | 14.27% | 11.54% | $148.6M |
| Q1 2026 | 13.01% | 13.01% | 13.97% | 11.38% | $155.2M |
| Q2 2026 | 12.24% | 12.24% | 13.16% | 11.38% | $164.0M |
Town Center Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Town Center 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 Town Center Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58214) · FFIEC NIC profile (RSSD 3459216)