Bank of Bozeman: 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%.
Equity capital to total assets rose 0.47 percentage points from Q1 2026 to Q2 2026, ending at 10.17% against 9.70%. It was the largest change among the key lines on this page. Within Montana, Bank of Bozeman is 15th of 21 on CET1 ratio, 12.55% as of Q2 2026, below the middle of the field. Bank of Bozeman reported 12.55% on CET1 ratio for Q2 2026, 2.52 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.55% |
| Tier 1 risk-based capital ratio | 12.55% |
| Total risk-based capital ratio | 13.80% |
| Tier 1 leverage ratio | 10.20% |
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 | $10.9M |
| Tier 1 capital | $10.9M |
| Total risk-based capital | $12.0M |
| Total equity capital | $11.0M |
| Risk-weighted assets | $87.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.17% |
| Tangible equity to tangible assets | 10.17% |
| Equity capital to average assets | 10.23% |
| Internal capital growth rate | 8.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8K |
| Common stock surplus | $18.4M |
| Retained earnings | -$6.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$603K |
| 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 | 11.31% | 11.31% | 12.56% | 8.84% | $86.3M |
| Q4 2023 | 11.57% | 11.57% | 12.82% | 9.14% | $85.4M |
| Q1 2024 | 11.52% | 11.52% | 12.78% | 9.05% | $84.6M |
| Q2 2024 | 11.92% | 11.92% | 13.17% | 9.33% | $82.8M |
| Q3 2024 | 12.02% | 12.02% | 13.28% | 9.38% | $83.0M |
| Q4 2024 | 12.60% | 12.60% | 13.86% | 9.73% | $80.7M |
| Q1 2025 | 14.27% | 14.27% | 15.53% | 10.71% | $75.3M |
| Q2 2025 | 12.21% | 12.21% | 13.46% | 10.28% | $84.8M |
| Q3 2025 | 12.74% | 12.74% | 14.00% | 10.25% | $83.3M |
| Q4 2025 | 12.61% | 12.61% | 13.86% | 10.52% | $84.0M |
| Q1 2026 | 12.12% | 12.12% | 13.37% | 10.20% | $87.8M |
| Q2 2026 | 12.55% | 12.55% | 13.80% | 10.20% | $87.0M |
Bank of Bozeman regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Bozeman, 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 Bozeman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57952) · FFIEC NIC profile (RSSD 3308529)