Bank of O'Fallon: 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 Total risk-based capital ratio, which rose 1.32 percentage points to 24.38%. Bank of O'Fallon ranks 32nd of 198 Illinois banks on CET1 ratio, in the upper half at 23.12% (Q2 2026). Bank of O'Fallon's CET1 ratio of 23.12% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 8.05 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.12% |
| Tier 1 risk-based capital ratio | 23.12% |
| Total risk-based capital ratio | 24.38% |
| Tier 1 leverage ratio | 13.82% |
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 | $51.9M |
| Tier 1 capital | $51.9M |
| Total risk-based capital | $54.8M |
| Total equity capital | $51.9M |
| Risk-weighted assets | $224.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.76% |
| Tangible equity to tangible assets | 13.76% |
| Equity capital to average assets | 13.82% |
| Internal capital growth rate | 9.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $457K |
| Common stock surplus | $11.6M |
| Retained earnings | $39.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 22.57% | 22.57% | 23.84% | 13.19% | $201.6M |
| Q4 2023 | 22.25% | 22.25% | 23.51% | 13.21% | $204.0M |
| Q1 2024 | 21.82% | 21.82% | 23.09% | 13.87% | $213.0M |
| Q2 2024 | 22.52% | 22.52% | 23.78% | 13.67% | $211.5M |
| Q3 2024 | 21.45% | 21.45% | 22.71% | 13.46% | $213.5M |
| Q4 2024 | 22.50% | 22.50% | 23.76% | 13.82% | $214.1M |
| Q1 2025 | 22.83% | 22.83% | 24.09% | 13.56% | $214.6M |
| Q2 2025 | 22.80% | 22.80% | 24.06% | 13.18% | $219.3M |
| Q3 2025 | 22.65% | 22.65% | 23.91% | 13.30% | $221.7M |
| Q4 2025 | 22.08% | 22.08% | 23.34% | 13.32% | $224.5M |
| Q1 2026 | 21.81% | 21.81% | 23.06% | 13.48% | $232.9M |
| Q2 2026 | 23.12% | 23.12% | 24.38% | 13.82% | $224.6M |
Bank of O'Fallon regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of O'Fallon, 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 O'Fallon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18171) · FFIEC NIC profile (RSSD 410748)