Bank of Stockton: 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 average assets climbed 1.33 percentage points in Q2 2026, from 18.69% to 20.02%. It was the largest change from Q1 2026 among the key lines here. Within California, Bank of Stockton is 21st of 74 on CET1 ratio, 18.81% as of Q2 2026, above the middle of the field. Bank of Stockton reported 18.81% on CET1 ratio for Q2 2026, 5.33 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.81% |
| Tier 1 risk-based capital ratio | 18.81% |
| Total risk-based capital ratio | 20.07% |
| Tier 1 leverage ratio | 19.95% |
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 | $964.8M |
| Tier 1 capital | $964.8M |
| Total risk-based capital | $1.03B |
| Total equity capital | $975.6M |
| Risk-weighted assets | $5.13B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 19.53% |
| Tangible equity to tangible assets | 18.94% |
| Equity capital to average assets | 20.02% |
| Internal capital growth rate | 35.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $89.0M |
| Retained earnings | $910.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$25.5M |
| 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 | 16.21% | 16.21% | 17.47% | 14.73% | $4.11B |
| Q4 2023 | 16.59% | 16.59% | 17.84% | 15.43% | $4.23B |
| Q1 2024 | 16.99% | 16.99% | 18.25% | 16.06% | $4.25B |
| Q2 2024 | 16.83% | 16.83% | 18.09% | 16.48% | $4.30B |
| Q3 2024 | 17.17% | 17.17% | 18.43% | 17.82% | $4.54B |
| Q4 2024 | 17.37% | 17.37% | 18.63% | 17.24% | $4.45B |
| Q1 2025 | 17.93% | 17.93% | 19.19% | 18.24% | $4.59B |
| Q2 2025 | 17.92% | 17.92% | 19.17% | 18.02% | $4.60B |
| Q3 2025 | 18.32% | 18.32% | 19.57% | 18.72% | $4.77B |
| Q4 2025 | 18.10% | 18.10% | 19.35% | 18.12% | $4.78B |
| Q1 2026 | 18.02% | 18.02% | 19.27% | 18.55% | $4.91B |
| Q2 2026 | 18.81% | 18.81% | 20.07% | 19.95% | $5.13B |
Bank of Stockton regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Stockton, 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 Stockton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1536) · FFIEC NIC profile (RSSD 479268)