Bank of Crocker: 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%.
Total risk-based capital ratio climbed 3.48 percentage points in Q2 2026, from 30.57% to 34.04%. It was the largest change from Q1 2026 among the key lines here. Among 98 Missouri banks, Bank of Crocker sits 5th from the top on CET1 ratio, 32.79% as of Q2 2026. Against a median of 15.07% for banks in the $100M-1B asset tier, Bank of Crocker reported 32.79% on CET1 ratio in Q2 2026, 17.72 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 32.79% |
| Tier 1 risk-based capital ratio | 32.79% |
| Total risk-based capital ratio | 34.04% |
| Tier 1 leverage ratio | 12.81% |
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 | $18.6M |
| Tier 1 capital | $18.6M |
| Total risk-based capital | $19.4M |
| Total equity capital | $16.0M |
| Risk-weighted assets | $56.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.16% |
| Tangible equity to tangible assets | 11.16% |
| Equity capital to average assets | 10.98% |
| Internal capital growth rate | 8.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $200K |
| Retained earnings | $18.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.7M |
| 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 | 31.59% | 31.59% | 32.84% | 11.44% | $53.0M |
| Q4 2023 | 31.24% | 31.24% | 32.49% | 11.91% | $54.2M |
| Q1 2024 | 30.28% | 30.28% | 31.50% | 12.01% | $56.5M |
| Q2 2024 | 31.57% | 31.57% | 32.82% | 12.31% | $54.6M |
| Q3 2024 | 30.16% | 30.16% | 31.35% | 12.30% | $57.8M |
| Q4 2024 | 29.72% | 29.72% | 30.89% | 12.54% | $59.1M |
| Q1 2025 | 29.44% | 29.44% | 29.44% | 12.39% | $59.9M |
| Q2 2025 | 28.85% | 28.85% | 30.04% | 12.13% | $61.5M |
| Q3 2025 | 29.16% | 29.16% | 30.36% | 12.31% | $62.0M |
| Q4 2025 | 29.55% | 29.55% | 30.78% | 12.50% | $61.5M |
| Q1 2026 | 29.35% | 29.35% | 30.57% | 12.41% | $62.5M |
| Q2 2026 | 32.79% | 32.79% | 34.04% | 12.81% | $56.9M |
Bank of Crocker regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Crocker, 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 Crocker profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1937) · FFIEC NIC profile (RSSD 765354)