Bank of the Rockies: 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%.
Risk-weighted assets rose 6.6% from Q1 2026 to Q2 2026, ending at $219.8M against $206.3M. It was the largest change among the key lines on this page. On CET1 ratio, Bank of the Rockies is 3rd from the bottom among 21 Montana banks, 11.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Bank of the Rockies sits 3.65 points lower, at 11.42% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.42% |
| Tier 1 risk-based capital ratio | 11.42% |
| Total risk-based capital ratio | 12.60% |
| Tier 1 leverage ratio | 9.37% |
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 | $25.1M |
| Tier 1 capital | $25.1M |
| Total risk-based capital | $27.7M |
| Total equity capital | $26.1M |
| Risk-weighted assets | $219.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.41% |
| Tangible equity to tangible assets | 8.95% |
| Equity capital to average assets | 9.69% |
| Internal capital growth rate | 8.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.5M |
| Common stock surplus | $7.1M |
| Retained earnings | $15.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$399K |
| 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 | 12.54% | 12.54% | 13.65% | 9.82% | $187.8M |
| Q4 2023 | 12.04% | 12.04% | 13.21% | 9.07% | $182.9M |
| Q1 2024 | 11.27% | 11.27% | 12.34% | 8.97% | $194.1M |
| Q2 2024 | 11.45% | 11.45% | 12.50% | 9.14% | $196.6M |
| Q3 2024 | 11.80% | 11.80% | 12.91% | 9.30% | $197.8M |
| Q4 2024 | 11.45% | 11.45% | 12.59% | 8.96% | $200.2M |
| Q1 2025 | 11.47% | 11.47% | 12.63% | 8.92% | $200.0M |
| Q2 2025 | 11.59% | 11.59% | 12.84% | 9.08% | $202.1M |
| Q3 2025 | 11.47% | 11.47% | 12.71% | 8.97% | $203.9M |
| Q4 2025 | 11.78% | 11.78% | 13.03% | 8.73% | $200.3M |
| Q1 2026 | 11.89% | 11.89% | 13.14% | 9.33% | $206.3M |
| Q2 2026 | 11.42% | 11.42% | 12.60% | 9.37% | $219.8M |
Bank of the Rockies regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Rockies, 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 Rockies profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2205) · FFIEC NIC profile (RSSD 475756)