The Bank of Commerce and Trust Company: 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%.
Compared with Q1 2026, Accumulated other comprehensive income fell 6.6% in Q2 2026 to -$3.6M, the biggest move on this page. Within Kansas, The Bank of Commerce and Trust Company is 22nd of 85 on CET1 ratio, 18.99% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Bank of Commerce and Trust Company sits 3.92 points higher, at 18.99% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.99% |
| Tier 1 risk-based capital ratio | 18.99% |
| Total risk-based capital ratio | 19.85% |
| Tier 1 leverage ratio | 8.84% |
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 | $9.9M |
| Tier 1 capital | $9.9M |
| Total risk-based capital | $10.4M |
| Total equity capital | $6.6M |
| Risk-weighted assets | $52.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.84% |
| Tangible equity to tangible assets | 5.70% |
| Equity capital to average assets | 5.83% |
| Internal capital growth rate | 6.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $240K |
| Common stock surplus | $2.8M |
| Retained earnings | $7.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.6M |
| 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 | 16.12% | 16.12% | 16.97% | 8.49% | $55.4M |
| Q4 2023 | 15.81% | 15.81% | 16.63% | 8.86% | $57.7M |
| Q1 2024 | 15.91% | 15.91% | 16.72% | 8.21% | $58.0M |
| Q2 2024 | 16.16% | 16.16% | 16.90% | 8.23% | $57.4M |
| Q3 2024 | 16.74% | 16.74% | 17.50% | 8.30% | $56.0M |
| Q4 2024 | 16.66% | 16.66% | 17.41% | 8.81% | $57.0M |
| Q1 2025 | 16.70% | 16.70% | 17.46% | 8.62% | $57.5M |
| Q2 2025 | 17.42% | 17.42% | 18.24% | 8.75% | $55.3M |
| Q3 2025 | 17.41% | 17.41% | 18.22% | 9.13% | $56.0M |
| Q4 2025 | 17.75% | 17.75% | 18.56% | 8.83% | $55.2M |
| Q1 2026 | 18.20% | 18.20% | 19.01% | 8.58% | $54.2M |
| Q2 2026 | 18.99% | 18.99% | 19.85% | 8.84% | $52.6M |
The Bank of Commerce and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Commerce and Trust Company, 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 The Bank of Commerce and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4796) · FFIEC NIC profile (RSSD 431350)