The Bank of Holyrood: 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%.
Equity capital to average assets dropped 1.00 percentage points in Q2 2026, from 16.20% to 15.20%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The Bank of Holyrood is 11th of 84 on CET1 ratio, 26.92% as of Q2 2026, above the middle of the field. The Bank of Holyrood reported 26.92% on CET1 ratio for Q2 2026, 7.38 points above the 19.54% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 26.92% |
| Tier 1 risk-based capital ratio | 26.92% |
| Total risk-based capital ratio | 28.17% |
| Tier 1 leverage ratio | 16.68% |
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 | $11.8M |
| Tier 1 capital | $11.8M |
| Total risk-based capital | $12.3M |
| Total equity capital | $10.7M |
| Risk-weighted assets | $43.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.35% |
| Tangible equity to tangible assets | 15.35% |
| Equity capital to average assets | 15.20% |
| Internal capital growth rate | 6.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $75K |
| Common stock surplus | $225K |
| Retained earnings | $11.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.0M |
| 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 | 24.57% | 24.57% | 25.83% | 15.88% | $44.3M |
| Q4 2023 | 22.82% | 22.82% | 24.08% | 15.87% | $47.4M |
| Q1 2024 | 24.85% | 24.85% | 26.10% | 16.60% | $45.1M |
| Q2 2024 | 25.11% | 25.11% | 26.37% | 16.83% | $44.7M |
| Q3 2024 | 24.51% | 24.51% | 25.76% | 17.33% | $46.3M |
| Q4 2024 | 24.50% | 24.50% | 25.75% | 17.51% | $45.9M |
| Q1 2025 | 25.46% | 25.46% | 26.71% | 17.47% | $45.2M |
| Q2 2025 | 25.64% | 25.64% | 26.90% | 17.15% | $44.8M |
| Q3 2025 | 26.80% | 26.80% | 28.05% | 17.24% | $42.9M |
| Q4 2025 | 27.11% | 27.11% | 28.37% | 17.35% | $42.5M |
| Q1 2026 | 27.13% | 27.13% | 28.39% | 17.54% | $42.7M |
| Q2 2026 | 26.92% | 26.92% | 28.17% | 16.68% | $43.7M |
The Bank of Holyrood regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Holyrood, 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 Holyrood profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9661) · FFIEC NIC profile (RSSD 871358)