The 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%.
Compared with Q1 2026, Risk-weighted assets rose 4.7% in Q2 2026 to $1.92B, the biggest move on this page. On CET1 ratio, The Bank of Commerce ranks 3rd highest among the 7 banks headquartered in Idaho, at 19.09% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. The Bank of Commerce sits 5.61 points higher, at 19.09% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.09% |
| Tier 1 risk-based capital ratio | 19.09% |
| Total risk-based capital ratio | 20.35% |
| Tier 1 leverage ratio | 15.69% |
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 | $366.2M |
| Tier 1 capital | $366.2M |
| Total risk-based capital | $390.3M |
| Total equity capital | $346.4M |
| Risk-weighted assets | $1.92B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.77% |
| Tangible equity to tangible assets | 14.77% |
| Equity capital to average assets | 14.84% |
| Internal capital growth rate | 13.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $29.2M |
| Retained earnings | $335.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.9M |
| 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 | 16.38% | 16.38% | 17.64% | 14.50% | $1.75B |
| Q4 2023 | 16.35% | 16.35% | 17.60% | 13.72% | $1.73B |
| Q1 2024 | 16.97% | 16.97% | 18.23% | 14.32% | $1.73B |
| Q2 2024 | 17.23% | 17.23% | 18.49% | 14.58% | $1.77B |
| Q3 2024 | 19.01% | 19.01% | 20.26% | 15.03% | $1.67B |
| Q4 2024 | 18.10% | 18.10% | 19.36% | 14.21% | $1.73B |
| Q1 2025 | 20.49% | 20.49% | 21.75% | 15.03% | $1.59B |
| Q2 2025 | 19.88% | 19.88% | 21.14% | 15.19% | $1.70B |
| Q3 2025 | 20.88% | 20.88% | 22.13% | 15.60% | $1.68B |
| Q4 2025 | 19.12% | 19.12% | 20.38% | 14.84% | $1.79B |
| Q1 2026 | 19.37% | 19.37% | 20.62% | 15.69% | $1.83B |
| Q2 2026 | 19.09% | 19.09% | 20.35% | 15.69% | $1.92B |
The Bank of Commerce regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18059) · FFIEC NIC profile (RSSD 324863)