Baker Boyer National 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 biggest quarter-over-quarter change on this page was a small one: Accumulated other comprehensive income edged down 2.2% between Q1 2026 and Q2 2026, to -$4.5M. Among 21 Washington banks, Baker Boyer National Bank sits 3rd from the top on CET1 ratio, 15.43% as of Q2 2026. At 15.43%, Baker Boyer National Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.43% |
| Tier 1 risk-based capital ratio | 15.43% |
| Total risk-based capital ratio | 16.46% |
| Tier 1 leverage ratio | 9.25% |
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 | $63.3M |
| Tier 1 capital | $63.3M |
| Total risk-based capital | $67.6M |
| Total equity capital | $58.9M |
| Risk-weighted assets | $410.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.50% |
| Tangible equity to tangible assets | 8.50% |
| Equity capital to average assets | 8.60% |
| Internal capital growth rate | 1.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.7M |
| Common stock surplus | $8.9M |
| Retained earnings | $50.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.5M |
| 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 | 13.81% | 13.81% | 14.56% | 8.13% | $439.1M |
| Q4 2023 | 14.31% | 14.31% | 15.10% | 8.34% | $428.5M |
| Q1 2024 | 14.11% | 14.11% | 14.91% | 8.48% | $431.8M |
| Q2 2024 | 14.15% | 14.15% | 14.97% | 8.60% | $429.8M |
| Q3 2024 | 14.45% | 14.45% | 15.29% | 8.82% | $426.8M |
| Q4 2024 | 14.57% | 14.57% | 15.50% | 9.10% | $427.4M |
| Q1 2025 | 14.64% | 14.64% | 15.56% | 9.23% | $426.7M |
| Q2 2025 | 14.50% | 14.50% | 15.45% | 9.30% | $430.8M |
| Q3 2025 | 15.11% | 15.11% | 16.12% | 9.16% | $413.0M |
| Q4 2025 | 15.01% | 15.01% | 16.01% | 8.99% | $417.8M |
| Q1 2026 | 15.43% | 15.43% | 16.46% | 9.09% | $409.1M |
| Q2 2026 | 15.43% | 15.43% | 16.46% | 9.25% | $410.4M |
Baker Boyer National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Baker Boyer National 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 Baker Boyer National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2987) · FFIEC NIC profile (RSSD 69678)