Armed Forces Bank, 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%.
The standout move of Q2 2026 was in Common equity Tier 1 ratio: 1.57 percentage points higher than in Q1 2026, at 24.61%. Within Kansas, Armed Forces Bank, N.A. is 13th of 85 on CET1 ratio, 24.61% as of Q2 2026, above the middle of the field. Armed Forces Bank, N.A.'s CET1 ratio of 24.61% is well above the 13.49% median for banks in the $1B-10B asset tier, a gap of 11.12 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.61% |
| Tier 1 risk-based capital ratio | 24.61% |
| Total risk-based capital ratio | 25.86% |
| Tier 1 leverage ratio | 13.92% |
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 | $193.3M |
| Tier 1 capital | $193.3M |
| Total risk-based capital | $203.2M |
| Total equity capital | $184.2M |
| Risk-weighted assets | $785.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.95% |
| Tangible equity to tangible assets | 12.04% |
| Equity capital to average assets | 13.13% |
| Internal capital growth rate | 7.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $90.0M |
| Common stock surplus | $15.0M |
| Retained earnings | $102.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$23.2M |
| 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 | 22.05% | 22.05% | 23.30% | 14.51% | $827.6M |
| Q4 2023 | 21.48% | 21.48% | 22.73% | 14.33% | $853.1M |
| Q1 2024 | 22.02% | 22.02% | 23.27% | 14.05% | $839.2M |
| Q2 2024 | 20.47% | 20.47% | 21.72% | 14.10% | $915.7M |
| Q3 2024 | 21.49% | 21.49% | 22.75% | 14.32% | $886.9M |
| Q4 2024 | 22.78% | 22.78% | 24.03% | 14.26% | $846.5M |
| Q1 2025 | 23.93% | 23.93% | 25.18% | 14.43% | $825.2M |
| Q2 2025 | 24.31% | 24.31% | 25.56% | 14.38% | $821.6M |
| Q3 2025 | 23.39% | 23.39% | 24.64% | 14.55% | $866.4M |
| Q4 2025 | 22.43% | 22.43% | 23.68% | 13.43% | $829.9M |
| Q1 2026 | 23.04% | 23.04% | 24.29% | 13.69% | $824.3M |
| Q2 2026 | 24.61% | 24.61% | 25.86% | 13.92% | $785.7M |
Armed Forces Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Armed Forces Bank, 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 Armed Forces Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4666) · FFIEC NIC profile (RSSD 983457)