Bank of Commerce: 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 Equity capital to total assets, which rose 0.59 percentage points to 12.42%. Bank of Commerce ranks 19th of 71 Oklahoma banks on CET1 ratio, in the upper half at 18.05% (Q2 2026). Bank of Commerce reported 18.05% on CET1 ratio for Q2 2026, 2.98 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 | 18.05% |
| Tier 1 risk-based capital ratio | 18.05% |
| Total risk-based capital ratio | 19.30% |
| Tier 1 leverage ratio | 12.78% |
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 | $26.7M |
| Tier 1 capital | $26.7M |
| Total risk-based capital | $28.6M |
| Total equity capital | $25.2M |
| Risk-weighted assets | $148.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.42% |
| Tangible equity to tangible assets | 12.42% |
| Equity capital to average assets | 12.07% |
| Internal capital growth rate | 15.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $4.7M |
| Retained earnings | $21.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | 16.53% | 16.53% | 17.79% | 11.54% | $135.5M |
| Q4 2023 | 15.90% | 15.90% | 17.15% | 11.37% | $136.9M |
| Q1 2024 | 17.44% | 17.44% | 18.70% | 11.08% | $130.4M |
| Q2 2024 | 18.21% | 18.21% | 19.47% | 11.23% | $130.4M |
| Q3 2024 | 19.07% | 19.07% | 20.32% | 12.38% | $129.5M |
| Q4 2024 | 17.61% | 17.61% | 18.87% | 11.97% | $130.5M |
| Q1 2025 | 18.06% | 18.06% | 19.31% | 12.67% | $132.7M |
| Q2 2025 | 18.33% | 18.33% | 19.58% | 13.14% | $136.5M |
| Q3 2025 | 19.53% | 19.53% | 20.78% | 14.32% | $133.1M |
| Q4 2025 | 17.48% | 17.48% | 18.73% | 13.62% | $142.5M |
| Q1 2026 | 17.43% | 17.43% | 18.68% | 12.92% | $148.0M |
| Q2 2026 | 18.05% | 18.05% | 19.30% | 12.78% | $148.1M |
Bank of Commerce regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Commerce, 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 Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13274) · FFIEC NIC profile (RSSD 152057)