Tri Counties 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%.
Compared with Q1 2026, Retained earnings rose 3.3% in Q2 2026 to $688.6M, the biggest move on this page. Within California, Tri Counties Bank is 50th of 74 on CET1 ratio, 13.69% as of Q2 2026, below the middle of the field. At 13.69%, Tri Counties Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.69% |
| Tier 1 risk-based capital ratio | 13.69% |
| Total risk-based capital ratio | 14.94% |
| Tier 1 leverage ratio | 12.00% |
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 | $1.17B |
| Tier 1 capital | $1.17B |
| Total risk-based capital | $1.28B |
| Total equity capital | $1.38B |
| Risk-weighted assets | $8.56B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.90% |
| Tangible equity to tangible assets | 11.14% |
| Equity capital to average assets | 13.69% |
| Internal capital growth rate | 6.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.9M |
| Common stock surplus | $787.2M |
| Retained earnings | $688.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$101.8M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.19% | 13.19% | 14.44% | 10.98% | $8.12B |
| Q4 2023 | 13.41% | 13.41% | 14.66% | 11.12% | $8.12B |
| Q1 2024 | 13.59% | 13.59% | 14.85% | 11.34% | $8.10B |
| Q2 2024 | 13.81% | 13.81% | 15.06% | 11.50% | $8.04B |
| Q3 2024 | 14.21% | 14.21% | 15.47% | 11.91% | $7.97B |
| Q4 2024 | 14.34% | 14.34% | 15.60% | 12.02% | $8.01B |
| Q1 2025 | 14.48% | 14.48% | 15.74% | 12.08% | $8.05B |
| Q2 2025 | 14.26% | 14.26% | 15.52% | 12.16% | $8.19B |
| Q3 2025 | 13.77% | 13.77% | 15.02% | 11.63% | $8.21B |
| Q4 2025 | 13.72% | 13.72% | 14.98% | 11.78% | $8.35B |
| Q1 2026 | 13.75% | 13.75% | 15.01% | 11.85% | $8.35B |
| Q2 2026 | 13.69% | 13.69% | 14.94% | 12.00% | $8.56B |
Tri Counties Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Tri Counties 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 Tri Counties Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21943) · FFIEC NIC profile (RSSD 100562)