Bank of Labor: 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%.
Retained earnings rose 3.6% from Q1 2026 to Q2 2026, ending at $53.9M against $52.0M. It was the largest change among the key lines on this page. Bank of Labor ranks 46th of 84 Kansas banks on CET1 ratio, in the lower half at 14.19% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Bank of Labor sits 0.71 points higher, at 14.19% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.19% |
| Tier 1 risk-based capital ratio | 14.19% |
| Total risk-based capital ratio | 15.14% |
| Tier 1 leverage ratio | 7.99% |
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 | $86.9M |
| Tier 1 capital | $86.9M |
| Total risk-based capital | $92.7M |
| Total equity capital | $51.2M |
| Risk-weighted assets | $612.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 4.61% |
| Tangible equity to tangible assets | 4.61% |
| Equity capital to average assets | 4.71% |
| Internal capital growth rate | 15.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.0M |
| Common stock surplus | $29.0M |
| Retained earnings | $53.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$35.7M |
| 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 | 12.68% | 12.68% | 13.46% | 7.57% | $547.5M |
| Q4 2023 | 12.28% | 12.28% | 13.12% | 7.31% | $562.1M |
| Q1 2024 | 12.43% | 12.43% | 13.29% | 7.41% | $572.9M |
| Q2 2024 | 13.01% | 13.01% | 13.95% | 7.32% | $564.3M |
| Q3 2024 | 13.33% | 13.33% | 14.28% | 7.61% | $566.4M |
| Q4 2024 | 13.42% | 13.42% | 14.39% | 7.75% | $569.7M |
| Q1 2025 | 13.84% | 13.84% | 14.79% | 7.87% | $564.6M |
| Q2 2025 | 13.69% | 13.69% | 14.61% | 7.61% | $583.8M |
| Q3 2025 | 14.03% | 14.03% | 14.92% | 7.70% | $583.9M |
| Q4 2025 | 13.87% | 13.87% | 14.82% | 7.74% | $598.9M |
| Q1 2026 | 13.75% | 13.75% | 14.68% | 7.84% | $618.0M |
| Q2 2026 | 14.19% | 14.19% | 15.14% | 7.99% | $612.2M |
Bank of Labor regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Labor, 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 Labor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1874) · FFIEC NIC profile (RSSD 246657)