American Bank of Freedom: 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.56 percentage points in Q2 2026 to 10.26%, the biggest move on this page. American Bank of Freedom ranks 47th of 98 Missouri banks on CET1 ratio, in the upper half at 13.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. American Bank of Freedom sits 1.53 points lower, at 13.55% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.55% |
| Tier 1 risk-based capital ratio | 13.55% |
| Total risk-based capital ratio | 14.80% |
| Tier 1 leverage ratio | 10.01% |
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 | $97.0M |
| Tier 1 capital | $97.0M |
| Total risk-based capital | $106.0M |
| Total equity capital | $97.2M |
| Risk-weighted assets | $716.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.26% |
| Tangible equity to tangible assets | 9.80% |
| Equity capital to average assets | 9.98% |
| Internal capital growth rate | 7.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $155K |
| Common stock surplus | $57.1M |
| Retained earnings | $44.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.6M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.72% | 11.72% | 12.89% | 10.85% | $719.6M |
| Q4 2023 | 11.68% | 11.68% | 12.82% | 10.54% | $734.7M |
| Q1 2024 | 11.51% | 11.51% | 12.66% | 10.04% | $755.5M |
| Q2 2024 | 11.05% | 11.05% | 12.20% | 9.95% | $796.8M |
| Q3 2024 | 10.83% | 10.83% | 12.08% | 9.56% | $814.7M |
| Q4 2024 | 11.80% | 11.80% | 13.06% | 9.51% | $760.9M |
| Q1 2025 | 11.86% | 11.86% | 13.12% | 9.75% | $768.3M |
| Q2 2025 | 12.08% | 12.08% | 13.34% | 9.79% | $764.6M |
| Q3 2025 | 12.33% | 12.33% | 13.28% | 9.85% | $760.8M |
| Q4 2025 | 12.75% | 12.75% | 13.95% | 9.66% | $736.6M |
| Q1 2026 | 12.83% | 12.83% | 14.04% | 9.75% | $742.8M |
| Q2 2026 | 13.55% | 13.55% | 14.80% | 10.01% | $716.4M |
American Bank of Freedom regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank of Freedom, 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 American Bank of Freedom profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15423) · FFIEC NIC profile (RSSD 568359)