Bank of Oak Ridge: 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%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.9% to $44.5M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.53% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $82.4M |
| Tier 1 capital | $82.4M |
| Total risk-based capital | — |
| Total equity capital | $82.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.53% |
| Tangible equity to tangible assets | 12.53% |
| Equity capital to average assets | 12.54% |
| Internal capital growth rate | 8.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10.6M |
| Common stock surplus | $27.3M |
| Retained earnings | $44.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $63K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.34% | 10.60% | 10.60% |
| Q4 2023 | 11.18% | 10.89% | 10.89% |
| Q1 2024 | 11.31% | 10.88% | 10.88% |
| Q2 2024 | 11.13% | 10.74% | 10.74% |
| Q3 2024 | 11.14% | 11.01% | 11.01% |
| Q4 2024 | 11.04% | 10.81% | 10.81% |
| Q1 2025 | 11.11% | 10.81% | 10.81% |
| Q2 2025 | 11.21% | 11.03% | 11.03% |
| Q3 2025 | 11.49% | 11.32% | 11.32% |
| Q4 2025 | 11.86% | 12.09% | 12.09% |
| Q1 2026 | 12.23% | 12.24% | 12.24% |
| Q2 2026 | 12.53% | 12.53% | 12.53% |
Bank of Oak Ridge regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Oak Ridge, 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 Oak Ridge profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35365) · FFIEC NIC profile (RSSD 2903123)