The Trust Company of Toledo, 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%.
Common equity tier 1 ratio dropped 21.12 percentage points in Q2 2026, from 171.11% to 149.99%. It was the largest change from Q1 2026 among the key lines here. Against a median of 19.50% for banks in the < $100M asset tier, The Trust Company of Toledo, N.A. reported 149.99% on CET1 ratio in Q2 2026, 130.49 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 149.99% |
| Tier 1 risk-based capital ratio | 149.99% |
| Total risk-based capital ratio | 149.99% |
| Tier 1 leverage ratio | 100.25% |
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 | $8.0M |
| Tier 1 capital | $8.0M |
| Total risk-based capital | $8.0M |
| Total equity capital | $8.0M |
| Risk-weighted assets | $5.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 88.70% |
| Tangible equity to tangible assets | 88.70% |
| Equity capital to average assets | 99.85% |
| Internal capital growth rate | 123.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $1.1M |
| Retained earnings | $5.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$31K |
| 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 | 251.93% | 251.93% | 251.93% | 95.73% | $2.8M |
| Q4 2023 | 252.68% | 252.68% | 252.68% | 76.13% | $1.6M |
| Q1 2024 | 196.90% | 196.90% | 196.90% | 97.48% | $2.7M |
| Q2 2024 | 159.16% | 159.16% | 159.16% | 100.58% | $4.2M |
| Q3 2024 | 146.76% | 146.76% | 146.76% | 97.12% | $5.6M |
| Q4 2024 | 262.02% | 262.02% | 262.02% | 51.99% | $1.6M |
| Q1 2025 | 190.57% | 190.57% | 190.57% | 97.42% | $3.1M |
| Q2 2025 | 156.07% | 156.07% | 156.07% | 97.03% | $4.6M |
| Q3 2025 | 147.92% | 147.92% | 147.92% | 100.36% | $6.0M |
| Q4 2025 | 278.46% | 278.46% | 278.46% | 49.05% | $1.5M |
| Q1 2026 | 171.11% | 171.11% | 171.11% | 99.59% | $3.6M |
| Q2 2026 | 149.99% | 149.99% | 149.99% | 100.25% | $5.3M |
The Trust Company of Toledo, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Trust Company of Toledo, 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 The Trust Company of Toledo, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 1820979)