Bank of the Orient: 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%.
Compared with Q1 2026, Equity capital to average assets fell 0.40 percentage points in Q2 2026 to 11.57%, the biggest move 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 | 11.65% |
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 | $138.2M |
| Tier 1 capital | $138.2M |
| Total risk-based capital | — |
| Total equity capital | $137.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.31% |
| Tangible equity to tangible assets | 11.31% |
| Equity capital to average assets | 11.57% |
| Internal capital growth rate | 5.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10.1M |
| Common stock surplus | $40.8M |
| Retained earnings | $89.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.7M |
| 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 | 14.69% | 14.36% | 14.36% |
| Q4 2023 | 14.80% | 14.54% | 14.53% |
| Q1 2024 | 14.78% | 14.54% | 14.54% |
| Q2 2024 | 14.16% | 13.51% | 13.51% |
| Q3 2024 | 13.59% | 13.29% | 13.28% |
| Q4 2024 | 13.69% | 13.53% | 13.53% |
| Q1 2025 | 13.78% | 13.53% | 13.53% |
| Q2 2025 | 13.00% | 12.68% | 12.67% |
| Q3 2025 | 12.93% | 12.54% | 12.53% |
| Q4 2025 | 12.61% | 11.84% | 11.83% |
| Q1 2026 | 12.06% | 11.67% | 11.66% |
| Q2 2026 | 11.65% | 11.31% | 11.31% |
Bank of the Orient regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Orient, 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 the Orient profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20387) · FFIEC NIC profile (RSSD 777366)