Bank of the Plains: 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 Risk-weighted assets, which rose 7.0% to $344.2M. Within Kansas, Bank of the Plains is 72nd of 85 on CET1 ratio, 11.85% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Bank of the Plains sits 3.22 points lower, at 11.85% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.85% |
| Tier 1 risk-based capital ratio | 11.85% |
| Total risk-based capital ratio | 13.10% |
| Tier 1 leverage ratio | 9.30% |
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 | $40.8M |
| Tier 1 capital | $40.8M |
| Total risk-based capital | $45.1M |
| Total equity capital | $43.8M |
| Risk-weighted assets | $344.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.84% |
| Tangible equity to tangible assets | 8.89% |
| Equity capital to average assets | 9.89% |
| Internal capital growth rate | 12.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $23.7M |
| Retained earnings | $21.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 10.81% | 10.81% | 12.06% | 8.11% | $305.5M |
| Q4 2023 | 10.65% | 10.65% | 11.67% | 8.37% | $323.4M |
| Q1 2024 | 10.60% | 10.60% | 11.66% | 8.35% | $329.6M |
| Q2 2024 | 10.54% | 10.54% | 11.61% | 8.44% | $335.2M |
| Q3 2024 | 10.72% | 10.72% | 11.82% | 8.69% | $336.7M |
| Q4 2024 | 10.49% | 10.49% | 11.55% | 8.75% | $352.1M |
| Q1 2025 | 10.95% | 10.95% | 12.12% | 8.74% | $343.7M |
| Q2 2025 | 11.44% | 11.44% | 12.69% | 8.82% | $335.9M |
| Q3 2025 | 11.74% | 11.74% | 12.99% | 8.88% | $335.6M |
| Q4 2025 | 11.65% | 11.65% | 12.90% | 9.17% | $345.0M |
| Q1 2026 | 12.24% | 12.24% | 13.49% | 8.78% | $321.8M |
| Q2 2026 | 11.85% | 11.85% | 13.10% | 9.30% | $344.2M |
Bank of the Plains regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Plains, 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 Plains profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18118) · FFIEC NIC profile (RSSD 302553)