Young Americans 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%.
Common equity tier 1 ratio dropped 161.36 percentage points in Q2 2026, from 364.58% to 203.22%. It was the largest change from Q1 2026 among the key lines here. Young Americans Bank has the highest CET1 ratio of the 34 banks headquartered in Colorado, 203.22% as of Q2 2026. Against a median of 19.50% for banks in the < $100M asset tier, Young Americans Bank reported 203.22% on CET1 ratio in Q2 2026, 183.72 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 203.22% |
| Tier 1 risk-based capital ratio | 203.22% |
| Total risk-based capital ratio | 204.33% |
| Tier 1 leverage ratio | 11.86% |
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 | $1.8M |
| Tier 1 capital | $1.8M |
| Total risk-based capital | $1.8M |
| Total equity capital | $1.8M |
| Risk-weighted assets | $901K |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.79% |
| Tangible equity to tangible assets | 11.79% |
| Equity capital to average assets | 11.86% |
| Internal capital growth rate | -89.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $29.7M |
| Retained earnings | -$28.7M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 430.90% | 430.90% | 432.16% | 8.03% | $398K |
| Q4 2023 | 535.76% | 535.76% | 537.09% | 8.00% | $302K |
| Q1 2024 | 654.10% | 654.10% | 655.33% | 8.53% | $244K |
| Q2 2024 | 490.55% | 490.55% | 491.64% | 7.59% | $275K |
| Q3 2024 | 161.90% | 161.90% | 162.72% | 6.84% | $735K |
| Q4 2024 | 245.66% | 245.66% | 246.10% | 9.68% | $692K |
| Q1 2025 | 328.57% | 328.57% | 329.43% | 11.20% | $581K |
| Q2 2025 | 529.82% | 529.82% | 531.13% | 12.16% | $379K |
| Q3 2025 | 404.31% | 404.31% | 405.39% | 13.55% | $557K |
| Q4 2025 | 465.98% | 465.98% | 467.22% | 13.99% | $482K |
| Q1 2026 | 364.58% | 364.58% | 365.65% | 12.65% | $559K |
| Q2 2026 | 203.22% | 203.22% | 204.33% | 11.86% | $901K |
Young Americans Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Young Americans 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 Young Americans Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27010) · FFIEC NIC profile (RSSD 67254)