Triad Business 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%.
In Q2 2026, Accumulated other comprehensive income edged up by 1.0%, from -$8.5M to -$8.4M, the largest move among the key lines here. On CET1 ratio, Triad Business Bank is 3rd from the bottom among 26 North Carolina banks, 11.54% (Q2 2026). Triad Business Bank reported 11.54% on CET1 ratio for Q2 2026, 3.54 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.54% |
| Tier 1 risk-based capital ratio | 11.54% |
| Total risk-based capital ratio | 12.29% |
| Tier 1 leverage ratio | 10.86% |
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 | $59.3M |
| Tier 1 capital | $59.3M |
| Total risk-based capital | $63.1M |
| Total equity capital | $50.8M |
| Risk-weighted assets | $513.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.48% |
| Tangible equity to tangible assets | 9.48% |
| Equity capital to average assets | 9.31% |
| Internal capital growth rate | 0.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $73.5M |
| Common stock surplus | $0 |
| Retained earnings | -$14.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.4M |
| 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 | 11.94% | 11.94% | 12.89% | 10.76% | $464.4M |
| Q4 2023 | 11.76% | 11.76% | 12.70% | 10.52% | $467.1M |
| Q1 2024 | 11.38% | 11.38% | 12.22% | 10.37% | $483.9M |
| Q2 2024 | 12.43% | 12.43% | 13.26% | 11.05% | $486.9M |
| Q3 2024 | 12.03% | 12.03% | 13.05% | 10.91% | $497.4M |
| Q4 2024 | 11.56% | 11.56% | 12.48% | 10.52% | $493.8M |
| Q1 2025 | 11.49% | 11.49% | 12.34% | 10.67% | $499.4M |
| Q2 2025 | 11.37% | 11.37% | 12.15% | 10.76% | $506.7M |
| Q3 2025 | 11.44% | 11.44% | 12.24% | 10.84% | $508.2M |
| Q4 2025 | 11.55% | 11.55% | 12.30% | 10.95% | $508.4M |
| Q1 2026 | 11.44% | 11.44% | 12.18% | 10.86% | $517.0M |
| Q2 2026 | 11.54% | 11.54% | 12.29% | 10.86% | $513.8M |
Triad Business Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Triad Business 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 Triad Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59188) · FFIEC NIC profile (RSSD 5398627)