Armstrong 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 Total equity capital, which rose 7.2% to $232.9M. Within Oklahoma, Armstrong Bank is 43rd of 71 on CET1 ratio, 13.89% as of Q2 2026, below the middle of the field. Armstrong Bank reported 13.89% on CET1 ratio for Q2 2026, 0.40 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.89% |
| Tier 1 risk-based capital ratio | 13.89% |
| Total risk-based capital ratio | 14.97% |
| Tier 1 leverage ratio | 10.42% |
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 | $296.0M |
| Tier 1 capital | $296.0M |
| Total risk-based capital | $319.0M |
| Total equity capital | $232.9M |
| Risk-weighted assets | $2.13B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.19% |
| Tangible equity to tangible assets | 7.66% |
| Equity capital to average assets | 8.15% |
| Internal capital growth rate | 18.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $62.3M |
| Retained earnings | $249.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$79.4M |
| 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 | 14.53% | 14.53% | 15.66% | 9.27% | $1.63B |
| Q4 2023 | 14.58% | 14.58% | 15.71% | 9.19% | $1.62B |
| Q1 2024 | 14.35% | 14.35% | 15.48% | 9.18% | $1.64B |
| Q2 2024 | 14.46% | 14.46% | 15.57% | 9.46% | $1.66B |
| Q3 2024 | 14.63% | 14.63% | 15.70% | 9.65% | $1.67B |
| Q4 2024 | 14.34% | 14.34% | 15.36% | 9.75% | $1.72B |
| Q1 2025 | 14.32% | 14.32% | 15.34% | 9.82% | $1.76B |
| Q2 2025 | 14.14% | 14.14% | 15.14% | 10.10% | $1.84B |
| Q3 2025 | 14.21% | 14.21% | 15.23% | 10.48% | $1.91B |
| Q4 2025 | 13.74% | 13.74% | 14.83% | 10.44% | $2.02B |
| Q1 2026 | 13.69% | 13.69% | 14.77% | 10.34% | $2.09B |
| Q2 2026 | 13.89% | 13.89% | 14.97% | 10.42% | $2.13B |
Armstrong Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Armstrong 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 Armstrong Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2315) · FFIEC NIC profile (RSSD 470452)