All America 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%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which fell 5.3% to $453.9M. Within Oklahoma, All America Bank is 39th of 71 on CET1 ratio, 14.11% as of Q2 2026, below the middle of the field. All America Bank reported 14.11% on CET1 ratio for Q2 2026, 0.96 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 | 14.11% |
| Tier 1 risk-based capital ratio | 14.11% |
| Total risk-based capital ratio | 15.35% |
| Tier 1 leverage ratio | 10.47% |
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 | $64.1M |
| Tier 1 capital | $64.1M |
| Total risk-based capital | $69.7M |
| Total equity capital | $63.7M |
| Risk-weighted assets | $453.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.41% |
| Tangible equity to tangible assets | 10.41% |
| Equity capital to average assets | 10.41% |
| Internal capital growth rate | 1.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $49.6M |
| Retained earnings | $12.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$392K |
| 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 | 10.71% | 10.71% | 11.85% | 10.05% | $558.0M |
| Q4 2023 | 11.59% | 11.59% | 12.76% | 9.88% | $525.0M |
| Q1 2024 | 11.49% | 11.49% | 12.69% | 9.87% | $535.0M |
| Q2 2024 | 11.83% | 11.83% | 13.08% | 9.86% | $519.2M |
| Q3 2024 | 12.44% | 12.44% | 13.69% | 10.30% | $496.1M |
| Q4 2024 | 12.44% | 12.44% | 13.69% | 10.52% | $500.7M |
| Q1 2025 | 12.72% | 12.72% | 13.97% | 10.26% | $489.5M |
| Q2 2025 | 12.94% | 12.94% | 14.19% | 10.21% | $482.6M |
| Q3 2025 | 13.25% | 13.25% | 14.50% | 10.47% | $478.1M |
| Q4 2025 | 13.43% | 13.43% | 14.53% | 10.62% | $472.6M |
| Q1 2026 | 13.32% | 13.32% | 14.45% | 10.50% | $479.1M |
| Q2 2026 | 14.11% | 14.11% | 15.35% | 10.47% | $453.9M |
All America Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock All America 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 All America Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20093) · FFIEC NIC profile (RSSD 25357)