Bank of Bridger, 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 largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 3.2% to $428.6M. Within Montana, Bank of Bridger, N.A. is 4th of 21 on CET1 ratio, 19.23% as of Q2 2026, above the middle of the field. Bank of Bridger, N.A. reported 19.23% on CET1 ratio for Q2 2026, 4.16 points above 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 | 19.23% |
| Tier 1 risk-based capital ratio | 19.23% |
| Total risk-based capital ratio | 20.48% |
| Tier 1 leverage ratio | 10.08% |
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 | $82.4M |
| Tier 1 capital | $82.4M |
| Total risk-based capital | $87.8M |
| Total equity capital | $68.5M |
| Risk-weighted assets | $428.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.54% |
| Tangible equity to tangible assets | 8.06% |
| Equity capital to average assets | 8.34% |
| Internal capital growth rate | 4.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $725K |
| Common stock surplus | $32.8M |
| Retained earnings | $52.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.4M |
| 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 | 18.03% | 18.03% | 19.29% | 9.31% | $405.7M |
| Q4 2023 | 19.02% | 19.02% | 20.28% | 9.36% | $387.6M |
| Q1 2024 | 19.00% | 19.00% | 20.25% | 9.59% | $391.3M |
| Q2 2024 | 18.68% | 18.68% | 19.93% | 9.61% | $401.8M |
| Q3 2024 | 19.14% | 19.14% | 20.39% | 9.73% | $397.0M |
| Q4 2024 | 19.26% | 19.26% | 20.51% | 9.65% | $398.6M |
| Q1 2025 | 19.46% | 19.46% | 20.71% | 9.71% | $399.3M |
| Q2 2025 | 19.30% | 19.30% | 20.55% | 9.69% | $406.3M |
| Q3 2025 | 19.35% | 19.35% | 20.60% | 9.62% | $410.9M |
| Q4 2025 | 19.70% | 19.70% | 20.96% | 9.82% | $407.8M |
| Q1 2026 | 19.63% | 19.63% | 20.88% | 10.02% | $415.3M |
| Q2 2026 | 19.23% | 19.23% | 20.48% | 10.08% | $428.6M |
Bank of Bridger, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Bridger, 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 Bank of Bridger, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2224) · FFIEC NIC profile (RSSD 17950)