Towne Trust Company, N.A.: 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 Common equity Tier 1 ratio: 203.18 percentage points higher than in Q1 2026, at 360.02%. Towne Trust Company, N.A.'s CET1 ratio of 360.02% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 340.45 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 360.02% |
| Tier 1 risk-based capital ratio | 360.02% |
| Total risk-based capital ratio | 360.02% |
| Tier 1 leverage ratio | 87.10% |
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 | $7.2M |
| Tier 1 capital | $7.2M |
| Total risk-based capital | $7.2M |
| Total equity capital | $7.2M |
| Risk-weighted assets | $2.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 82.50% |
| Tangible equity to tangible assets | 82.50% |
| Equity capital to average assets | 87.02% |
| Internal capital growth rate | 8.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $6.5M |
| Retained earnings | $773K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7K |
| 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 | 343.34% | 343.34% | 343.34% | 84.72% | $1.8M |
| Q4 2023 | 333.68% | 333.68% | 333.68% | 88.62% | $1.9M |
| Q1 2024 | 328.18% | 328.18% | 328.18% | 87.47% | $2.0M |
| Q2 2024 | 340.29% | 340.29% | 340.29% | 88.48% | $1.9M |
| Q3 2024 | 320.62% | 320.62% | 320.62% | 83.82% | $2.0M |
| Q4 2024 | 370.85% | 370.85% | 370.85% | 87.15% | $1.7M |
| Q1 2025 | 365.82% | 365.82% | 365.82% | 93.98% | $1.8M |
| Q2 2025 | 378.44% | 378.44% | 378.44% | 96.16% | $1.7M |
| Q3 2025 | 447.61% | 447.61% | 447.61% | 98.94% | $1.5M |
| Q4 2025 | 407.15% | 407.15% | 407.15% | 93.22% | $1.7M |
| Q1 2026 | 156.84% | 156.84% | 156.84% | 93.99% | $4.5M |
| Q2 2026 | 360.02% | 360.02% | 360.02% | 87.10% | $2.0M |
Towne Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Towne Trust Company, N.A., 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 Towne Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2797210)