Tustin Community 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%.
Retained earnings rose 2.5% from Q1 2026 to Q2 2026, ending at $7.4M against $7.2M. It was the largest change among the key lines on this page.
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 | 15.46% |
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 | $13.3M |
| Tier 1 capital | $13.3M |
| Total risk-based capital | — |
| Total equity capital | $13.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.41% |
| Tangible equity to tangible assets | 15.41% |
| Equity capital to average assets | 15.46% |
| Internal capital growth rate | 5.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $4.0M |
| Retained earnings | $7.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 15.01% | 15.01% | 15.01% |
| Q4 2023 | 15.27% | 14.97% | 14.97% |
| Q1 2024 | 15.15% | 15.07% | 15.07% |
| Q2 2024 | 14.77% | 14.18% | 14.18% |
| Q3 2024 | 14.01% | 13.83% | 13.83% |
| Q4 2024 | 13.94% | 14.32% | 14.32% |
| Q1 2025 | 14.20% | 13.99% | 13.99% |
| Q2 2025 | 14.47% | 14.14% | 14.14% |
| Q3 2025 | 16.38% | 16.17% | 16.17% |
| Q4 2025 | 16.01% | 15.76% | 15.76% |
| Q1 2026 | 15.66% | 15.26% | 15.26% |
| Q2 2026 | 15.46% | 15.41% | 15.41% |
Tustin Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Tustin Community 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 Tustin Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32908) · FFIEC NIC profile (RSSD 1418255)