Bank 21: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Risk-weighted assets rose 2.9% in Q2 2026 to $179.6M, the biggest move on this page. Bank 21 ranks 61st of 97 Missouri banks on CET1 ratio, in the lower half at 12.58% (Q2 2026). Bank 21 reported 12.58% on CET1 ratio for Q2 2026, 2.51 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.58% |
| Tier 1 risk-based capital ratio | 12.58% |
| Total risk-based capital ratio | 13.83% |
| Tier 1 leverage ratio | 11.51% |
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 | $22.6M |
| Tier 1 capital | $22.6M |
| Total risk-based capital | $24.8M |
| Total equity capital | $22.6M |
| Risk-weighted assets | $179.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.17% |
| Tangible equity to tangible assets | 11.15% |
| Equity capital to average assets | 11.50% |
| Internal capital growth rate | 4.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $5.9M |
| Retained earnings | $16.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$64K |
| 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 | 12.12% | 12.12% | 13.37% | 10.45% | $137.8M |
| Q4 2023 | 11.65% | 11.65% | 12.90% | 10.45% | $146.0M |
| Q1 2024 | 11.99% | 11.99% | 13.25% | 10.24% | $143.8M |
| Q2 2024 | 12.04% | 12.04% | 13.29% | 10.19% | $144.8M |
| Q3 2024 | 11.67% | 11.67% | 12.92% | 10.37% | $153.8M |
| Q4 2024 | 12.27% | 12.27% | 13.53% | 10.74% | $153.1M |
| Q1 2025 | 12.58% | 12.58% | 13.83% | 11.29% | $155.5M |
| Q2 2025 | 12.12% | 12.12% | 13.37% | 11.28% | $164.6M |
| Q3 2025 | 11.84% | 11.84% | 13.10% | 10.87% | $174.3M |
| Q4 2025 | 12.23% | 12.23% | 13.48% | 11.09% | $175.1M |
| Q1 2026 | 12.80% | 12.80% | 14.06% | 11.60% | $174.5M |
| Q2 2026 | 12.58% | 12.58% | 13.83% | 11.51% | $179.6M |
Bank 21 regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank 21, 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 Bank 21 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8560) · FFIEC NIC profile (RSSD 634544)