The Bancorp 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 Accumulated other comprehensive income: 204.0% lower than in Q1 2026, at -$3.6M. The Bancorp Bank N.A. ranks 21st of 36 South Dakota banks on CET1 ratio, in the lower half at 14.27% (Q2 2026). The Bancorp Bank N.A. reported 14.27% on CET1 ratio for Q2 2026, 0.79 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.27% |
| Tier 1 risk-based capital ratio | 14.27% |
| Total risk-based capital ratio | 15.32% |
| Tier 1 leverage ratio | 9.09% |
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 | $884.8M |
| Tier 1 capital | $884.8M |
| Total risk-based capital | $949.8M |
| Total equity capital | $881.9M |
| Risk-weighted assets | $6.20B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.58% |
| Tangible equity to tangible assets | 9.57% |
| Equity capital to average assets | 9.06% |
| Internal capital growth rate | 7.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.8M |
| Common stock surplus | $362.4M |
| Retained earnings | $519.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.6M |
| 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 | 17.26% | 17.26% | 17.77% | 12.13% | $5.17B |
| Q4 2023 | 17.35% | 17.35% | 17.92% | 12.37% | $5.26B |
| Q1 2024 | 17.43% | 17.43% | 18.02% | 12.05% | $5.30B |
| Q2 2024 | 15.69% | 15.69% | 16.24% | 11.21% | $5.60B |
| Q3 2024 | 15.11% | 15.11% | 15.67% | 10.94% | $5.85B |
| Q4 2024 | 15.25% | 15.25% | 16.06% | 10.38% | $5.82B |
| Q1 2025 | 15.33% | 15.33% | 16.24% | 9.79% | $5.95B |
| Q2 2025 | 15.80% | 15.80% | 16.83% | 10.33% | $5.95B |
| Q3 2025 | 14.66% | 14.66% | 15.77% | 9.85% | $5.90B |
| Q4 2025 | 14.03% | 14.03% | 15.13% | 9.70% | $6.12B |
| Q1 2026 | 14.06% | 14.06% | 15.10% | 9.18% | $6.18B |
| Q2 2026 | 14.27% | 14.27% | 15.32% | 9.09% | $6.20B |
The Bancorp Bank N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bancorp 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 The Bancorp Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35444) · FFIEC NIC profile (RSSD 2858960)