Bank of Louisiana: 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 climbed 158.7% in Q2 2026, from $5.1M to $13.1M. It was the largest change from Q1 2026 among the key lines here. Bank of Louisiana ranks 9th of 46 Louisiana banks on CET1 ratio, in the upper half at 29.37% (Q2 2026). Bank of Louisiana's CET1 ratio of 29.37% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 14.30 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 29.37% |
| Tier 1 risk-based capital ratio | 29.37% |
| Total risk-based capital ratio | 30.64% |
| Tier 1 leverage ratio | 17.77% |
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 | $19.2M |
| Tier 1 capital | $19.2M |
| Total risk-based capital | $20.0M |
| Total equity capital | $19.2M |
| Risk-weighted assets | $65.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.42% |
| Tangible equity to tangible assets | 17.42% |
| Equity capital to average assets | 17.80% |
| Internal capital growth rate | 288.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $4.6M |
| Retained earnings | $13.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $37K |
| 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 | 19.64% | 19.64% | 20.91% | 11.23% | $51.0M |
| Q4 2023 | 19.97% | 19.97% | 21.25% | 11.43% | $50.4M |
| Q1 2024 | 20.54% | 20.54% | 21.82% | 11.57% | $49.1M |
| Q2 2024 | 19.46% | 19.46% | 20.74% | 11.34% | $51.6M |
| Q3 2024 | 21.84% | 21.84% | 23.12% | 12.27% | $50.6M |
| Q4 2024 | 20.41% | 20.41% | 21.69% | 11.40% | $52.1M |
| Q1 2025 | 20.16% | 20.16% | 21.44% | 11.59% | $55.3M |
| Q2 2025 | 19.95% | 19.95% | 21.23% | 11.29% | $55.8M |
| Q3 2025 | 17.41% | 17.41% | 18.68% | 11.24% | $63.8M |
| Q4 2025 | 17.82% | 17.82% | 19.09% | 11.06% | $62.3M |
| Q1 2026 | 17.31% | 17.31% | 18.58% | 10.88% | $64.2M |
| Q2 2026 | 29.37% | 29.37% | 30.64% | 17.77% | $65.3M |
Bank of Louisiana regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Louisiana, 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 Louisiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17878) · FFIEC NIC profile (RSSD 271136)