TowneBank: 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%.
Retained earnings climbed 9.3% in Q2 2026, from $1.10B to $1.21B. It was the largest change from Q1 2026 among the key lines here. TowneBank ranks 39th of 44 Virginia banks on CET1 ratio, in the lower half at 12.16% (Q2 2026). TowneBank reported 12.16% on CET1 ratio for Q2 2026, 0.80 points below the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.16% |
| Tier 1 risk-based capital ratio | 12.20% |
| Total risk-based capital ratio | 14.63% |
| Tier 1 leverage ratio | 10.00% |
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 | $2.16B |
| Tier 1 capital | $2.17B |
| Total risk-based capital | $2.60B |
| Total equity capital | $2.99B |
| Risk-weighted assets | $17.77B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.24% |
| Tangible equity to tangible assets | 9.62% |
| Equity capital to average assets | 13.27% |
| Internal capital growth rate | 14.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $152.2M |
| Common stock surplus | $1.70B |
| Retained earnings | $1.21B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$61.2M |
| Subordinated notes and debentures | $279.1M |
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 | 12.19% | 12.31% | 15.09% | 10.06% | $13.44B |
| Q4 2023 | 12.18% | 12.29% | 15.06% | 10.17% | $13.58B |
| Q1 2024 | 12.20% | 12.32% | 15.10% | 10.15% | $13.63B |
| Q2 2024 | 12.43% | 12.55% | 15.34% | 10.25% | $13.60B |
| Q3 2024 | 12.63% | 12.76% | 15.54% | 10.38% | $13.57B |
| Q4 2024 | 12.77% | 12.89% | 15.68% | 10.36% | $13.64B |
| Q1 2025 | 12.75% | 12.87% | 15.65% | 10.61% | $13.90B |
| Q2 2025 | 11.77% | 11.82% | 14.49% | 9.93% | $14.79B |
| Q3 2025 | 11.18% | 11.23% | 13.98% | 9.84% | $15.82B |
| Q4 2025 | 11.34% | 11.39% | 14.14% | 9.36% | $15.70B |
| Q1 2026 | 11.43% | 11.47% | 13.87% | 9.75% | $17.91B |
| Q2 2026 | 12.16% | 12.20% | 14.63% | 10.00% | $17.77B |
TowneBank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock TowneBank, 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 TowneBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35095) · FFIEC NIC profile (RSSD 2797724)