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%.
In Q2 2026, Tangible equity to tangible assets edged up by 0.19 percentage points, from 9.13% to 9.32%, the largest move among the key lines here. Bank of Commerce ranks 52nd of 85 Kansas banks on CET1 ratio, in the lower half at 13.73% (Q2 2026). Bank of Commerce reported 13.73% on CET1 ratio for Q2 2026, 1.34 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 | 13.73% |
| Tier 1 risk-based capital ratio | 13.73% |
| Total risk-based capital ratio | 14.92% |
| Tier 1 leverage ratio | 9.19% |
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 | $46.0M |
| Tier 1 capital | $46.0M |
| Total risk-based capital | $50.0M |
| Total equity capital | $47.9M |
| Risk-weighted assets | $335.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.63% |
| Tangible equity to tangible assets | 9.32% |
| Equity capital to average assets | 9.54% |
| Internal capital growth rate | 5.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.8M |
| Common stock surplus | $6.9M |
| Retained earnings | $37.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $198K |
| 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 | 12.17% | 12.17% | 13.33% | 8.57% | $314.7M |
| Q4 2023 | 12.46% | 12.46% | 13.64% | 8.82% | $312.2M |
| Q1 2024 | 11.90% | 11.90% | 13.02% | 8.69% | $334.3M |
| Q2 2024 | 13.19% | 13.19% | 14.43% | 8.95% | $304.8M |
| Q3 2024 | 13.40% | 13.40% | 14.65% | 9.09% | $306.1M |
| Q4 2024 | 13.48% | 13.48% | 14.73% | 9.16% | $308.5M |
| Q1 2025 | 13.36% | 13.36% | 14.57% | 9.11% | $320.4M |
| Q2 2025 | 13.46% | 13.46% | 14.68% | 9.15% | $321.9M |
| Q3 2025 | 13.76% | 13.76% | 14.99% | 9.37% | $320.6M |
| Q4 2025 | 13.47% | 13.47% | 14.68% | 9.27% | $328.0M |
| Q1 2026 | 13.54% | 13.54% | 14.73% | 9.19% | $335.2M |
| Q2 2026 | 13.73% | 13.73% | 14.92% | 9.19% | $335.2M |
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 26217) · FFIEC NIC profile (RSSD 862057)