Bank of Billings: 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 Retained earnings, which rose 5.0% to $5.6M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.88% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $10.1M |
| Tier 1 capital | $10.1M |
| Total risk-based capital | — |
| Total equity capital | $12.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.28% |
| Tangible equity to tangible assets | 9.70% |
| Equity capital to average assets | 12.24% |
| Internal capital growth rate | 8.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $109K |
| Common stock surplus | $7.2M |
| Retained earnings | $5.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.26% | 12.43% | 9.25% |
| Q4 2023 | 9.86% | 12.93% | 9.70% |
| Q1 2024 | 9.90% | 12.10% | 9.13% |
| Q2 2024 | 9.77% | 12.68% | 9.62% |
| Q3 2024 | 10.08% | 13.08% | 9.98% |
| Q4 2024 | 10.72% | 13.05% | 10.04% |
| Q1 2025 | 10.07% | 12.46% | 9.64% |
| Q2 2025 | 10.15% | 12.98% | 10.13% |
| Q3 2025 | 10.46% | 13.27% | 10.40% |
| Q4 2025 | 10.67% | 13.17% | 10.36% |
| Q1 2026 | 10.07% | 12.23% | 9.61% |
| Q2 2026 | 9.88% | 12.28% | 9.70% |
Bank of Billings regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Billings, 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 of Billings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16959) · FFIEC NIC profile (RSSD 572347)