Bank of Ontario: 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 total assets rose 0.33 percentage points from Q1 2026 to Q2 2026, ending at 13.99% against 13.65%. It was the largest change among the key lines on this page.
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 | 13.85% |
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 | $11.2M |
| Tier 1 capital | $11.2M |
| Total risk-based capital | — |
| Total equity capital | $11.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.99% |
| Tangible equity to tangible assets | 13.99% |
| Equity capital to average assets | 13.67% |
| Internal capital growth rate | 0.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $148K |
| Common stock surplus | $752K |
| Retained earnings | $10.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$149K |
| 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 | 10.99% | 10.27% | 10.27% |
| Q4 2023 | 11.23% | 10.99% | 10.99% |
| Q1 2024 | 11.51% | 11.22% | 11.22% |
| Q2 2024 | 12.13% | 11.60% | 11.60% |
| Q3 2024 | 12.36% | 11.92% | 11.92% |
| Q4 2024 | 12.83% | 12.48% | 12.48% |
| Q1 2025 | 13.23% | 12.83% | 12.83% |
| Q2 2025 | 13.34% | 12.56% | 12.56% |
| Q3 2025 | 10.18% | 10.39% | 10.39% |
| Q4 2025 | 10.73% | 10.61% | 10.61% |
| Q1 2026 | 13.85% | 13.65% | 13.65% |
| Q2 2026 | 13.85% | 13.99% | 13.99% |
Bank of Ontario regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Ontario, 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 Ontario profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21085) · FFIEC NIC profile (RSSD 37341)