Town & Country Bank and Trust Company: 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 rose 6.5% from Q1 2026 to Q2 2026, ending at -$2.8M against -$3.0M. 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 | 12.75% |
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 | $55.4M |
| Tier 1 capital | $55.4M |
| Total risk-based capital | — |
| Total equity capital | $52.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.14% |
| Tangible equity to tangible assets | 12.14% |
| Equity capital to average assets | 12.10% |
| Internal capital growth rate | 9.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $24.7M |
| Retained earnings | $29.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.8M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.96% | 8.65% | 8.65% |
| Q4 2023 | 11.11% | 9.53% | 9.53% |
| Q1 2024 | 11.07% | 9.54% | 9.54% |
| Q2 2024 | 11.33% | 9.94% | 9.94% |
| Q3 2024 | 11.62% | 10.91% | 10.91% |
| Q4 2024 | 11.87% | 10.50% | 10.50% |
| Q1 2025 | 12.43% | 11.12% | 11.12% |
| Q2 2025 | 12.44% | 11.50% | 11.50% |
| Q3 2025 | 12.72% | 11.98% | 11.98% |
| Q4 2025 | 12.69% | 12.08% | 12.08% |
| Q1 2026 | 12.69% | 11.86% | 11.86% |
| Q2 2026 | 12.75% | 12.14% | 12.14% |
Town & Country Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Town & Country Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15703) · FFIEC NIC profile (RSSD 692946)