The Tri-County 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%.
The standout move of Q2 2026 was in Common stock surplus: 42.1% higher than in Q1 2026, at $21.9M.
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 | 8.45% |
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 | $25.0M |
| Tier 1 capital | $25.0M |
| Total risk-based capital | — |
| Total equity capital | $24.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.03% |
| Tangible equity to tangible assets | 6.73% |
| Equity capital to average assets | 8.02% |
| Internal capital growth rate | -0.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $21.9M |
| Retained earnings | $6.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.1M |
| 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 | — | — | — | 9.07% | — |
| Q4 2023 | — | — | — | 9.01% | — |
| Q1 2024 | — | — | — | 8.68% | — |
| Q2 2024 | — | — | — | 8.71% | — |
| Q3 2024 | 11.76% | 11.76% | 12.87% | 8.75% | $165.5M |
| Q4 2024 | 11.53% | 11.53% | 12.60% | 8.77% | $172.2M |
| Q1 2025 | 11.99% | 11.99% | 13.10% | 9.24% | $167.9M |
| Q2 2025 | — | — | — | 9.33% | — |
| Q3 2025 | — | — | — | 9.87% | — |
| Q4 2025 | — | — | — | 9.63% | — |
| Q1 2026 | — | — | — | 9.87% | — |
| Q2 2026 | — | — | — | 8.45% | — |
The Tri-County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Tri-County 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 The Tri-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16339) · FFIEC NIC profile (RSSD 657954)