Town & Country 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%.
The standout move of Q2 2026 was in Equity capital to total assets: 1.86 percentage points higher than in Q1 2026, at 15.23%.
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 | 14.86% |
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 | $32.4M |
| Tier 1 capital | $32.4M |
| Total risk-based capital | — |
| Total equity capital | $31.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.23% |
| Tangible equity to tangible assets | 15.23% |
| Equity capital to average assets | 14.47% |
| Internal capital growth rate | 16.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $16.0M |
| Retained earnings | $14.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$855K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 15.00% | 15.27% | 15.27% |
| Q4 2023 | 14.13% | 14.26% | 14.26% |
| Q1 2024 | 15.19% | 14.64% | 14.64% |
| Q2 2024 | 16.42% | 15.78% | 15.78% |
| Q3 2024 | 16.68% | 16.43% | 16.43% |
| Q4 2024 | 15.06% | 14.85% | 14.85% |
| Q1 2025 | 15.90% | 14.42% | 14.42% |
| Q2 2025 | 15.53% | 14.30% | 14.30% |
| Q3 2025 | 15.31% | 14.86% | 14.86% |
| Q4 2025 | 13.70% | 12.49% | 12.49% |
| Q1 2026 | 14.40% | 13.37% | 13.37% |
| Q2 2026 | 14.86% | 15.23% | 15.23% |
Town & Country Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Town & Country 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 & Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57312) · FFIEC NIC profile (RSSD 3067929)