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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.42 percentage points to 10.88%. Within Missouri, Town & Country Bank is 16th of 98 on CET1 ratio, 19.40% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Town & Country Bank sits 4.33 points higher, at 19.40% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.40% |
| Tier 1 risk-based capital ratio | 19.40% |
| Total risk-based capital ratio | 20.65% |
| Tier 1 leverage ratio | 12.37% |
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 | $92.9M |
| Tier 1 capital | $92.9M |
| Total risk-based capital | $98.9M |
| Total equity capital | $81.3M |
| Risk-weighted assets | $479.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.88% |
| Tangible equity to tangible assets | 10.29% |
| Equity capital to average assets | 10.75% |
| Internal capital growth rate | 9.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $20.8M |
| Retained earnings | $77.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.5M |
| 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 | 18.46% | 18.46% | 19.71% | 11.03% | $407.9M |
| Q4 2023 | 18.80% | 18.80% | 20.05% | 11.36% | $410.4M |
| Q1 2024 | 18.87% | 18.87% | 20.13% | 11.30% | $415.2M |
| Q2 2024 | 18.46% | 18.46% | 19.71% | 10.97% | $426.8M |
| Q3 2024 | 18.19% | 18.19% | 19.44% | 11.00% | $434.9M |
| Q4 2024 | 18.18% | 18.18% | 19.44% | 11.25% | $447.0M |
| Q1 2025 | 18.64% | 18.64% | 19.89% | 11.30% | $446.3M |
| Q2 2025 | 18.70% | 18.70% | 19.96% | 11.32% | $447.8M |
| Q3 2025 | 18.44% | 18.44% | 19.69% | 11.56% | $463.5M |
| Q4 2025 | 18.63% | 18.63% | 19.88% | 12.02% | $468.7M |
| Q1 2026 | 19.63% | 19.63% | 20.88% | 12.27% | $464.4M |
| Q2 2026 | 19.40% | 19.40% | 20.65% | 12.37% | $479.1M |
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 13071) · FFIEC NIC profile (RSSD 487357)