Troy Bank & Trust Company: 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%.
Accumulated other comprehensive income climbed 11.3% in Q2 2026, from -$19.9M to -$17.6M. It was the largest change from Q1 2026 among the key lines here.
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 | 12.83% |
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 | $202.8M |
| Tier 1 capital | $202.8M |
| Total risk-based capital | — |
| Total equity capital | $192.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.00% |
| Tangible equity to tangible assets | 11.62% |
| Equity capital to average assets | 12.10% |
| Internal capital growth rate | -9.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $201K |
| Common stock surplus | $82.4M |
| Retained earnings | $127.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.6M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.50% | 8.37% | 7.93% |
| Q4 2023 | 10.57% | 9.04% | 8.62% |
| Q1 2024 | 10.65% | 9.29% | 8.87% |
| Q2 2024 | 11.68% | 10.48% | 10.06% |
| Q3 2024 | 11.93% | 11.14% | 10.73% |
| Q4 2024 | 12.00% | 10.89% | 10.48% |
| Q1 2025 | 12.38% | 11.30% | 10.89% |
| Q2 2025 | 12.48% | 10.99% | 10.59% |
| Q3 2025 | 12.28% | 11.51% | 11.12% |
| Q4 2025 | 12.46% | 11.83% | 11.45% |
| Q1 2026 | 12.85% | 12.45% | 12.06% |
| Q2 2026 | 12.83% | 12.00% | 11.62% |
Troy Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Troy Bank & Trust Company, 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 Troy Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5598) · FFIEC NIC profile (RSSD 134437)