Transact Bank, 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 Equity capital to total assets: 0.93 percentage points higher than in Q1 2026, at 16.49%. On CET1 ratio, Transact Bank, N.A. ranks 3rd highest among the 34 banks headquartered in Colorado, at 40.68% (Q2 2026). Against a median of 19.57% for banks in the < $100M asset tier, Transact Bank, N.A. reported 40.68% on CET1 ratio in Q2 2026, 21.11 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 40.68% |
| Tier 1 risk-based capital ratio | 40.68% |
| Total risk-based capital ratio | 40.68% |
| Tier 1 leverage ratio | 16.27% |
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 | $1.1M |
| Tier 1 capital | $1.1M |
| Total risk-based capital | $1.1M |
| Total equity capital | $1.1M |
| Risk-weighted assets | $2.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.49% |
| Tangible equity to tangible assets | 16.49% |
| Equity capital to average assets | 16.15% |
| Internal capital growth rate | -1.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $21.9M |
| Retained earnings | -$21.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8K |
| 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 | 51.59% | 51.59% | 51.59% | 13.77% | $2.9M |
| Q4 2023 | 42.81% | 42.81% | 42.81% | 12.09% | $2.9M |
| Q1 2024 | 33.45% | 33.45% | 33.45% | 10.31% | $2.8M |
| Q2 2024 | 28.35% | 28.35% | 28.35% | 10.43% | $2.5M |
| Q3 2024 | 18.89% | 18.89% | 18.89% | 7.45% | $2.5M |
| Q4 2024 | 43.24% | 43.24% | 43.24% | 17.28% | $2.6M |
| Q1 2025 | 37.63% | 37.63% | 37.63% | 16.82% | $2.9M |
| Q2 2025 | 36.90% | 36.90% | 36.90% | 15.78% | $2.8M |
| Q3 2025 | 36.82% | 36.82% | 36.82% | 15.48% | $2.8M |
| Q4 2025 | 38.43% | 38.43% | 38.43% | 16.01% | $2.8M |
| Q1 2026 | 39.57% | 39.57% | 39.57% | 16.13% | $2.7M |
| Q2 2026 | 40.68% | 40.68% | 40.68% | 16.27% | $2.6M |
Transact Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Transact Bank, 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 Transact Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13986) · FFIEC NIC profile (RSSD 403254)