Bank of the West: 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 14.1% lower than in Q1 2026, at -$1.9M. Within Texas, Bank of the West is 115th of 184 on CET1 ratio, 15.31% as of Q2 2026, below the middle of the field. At 15.31%, Bank of the West's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.31% |
| Tier 1 risk-based capital ratio | 15.31% |
| Total risk-based capital ratio | 16.53% |
| Tier 1 leverage ratio | 9.66% |
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 | $78.3M |
| Tier 1 capital | $78.3M |
| Total risk-based capital | $84.6M |
| Total equity capital | $77.1M |
| Risk-weighted assets | $511.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.29% |
| Tangible equity to tangible assets | 9.22% |
| Equity capital to average assets | 9.50% |
| Internal capital growth rate | 5.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $29.9M |
| Retained earnings | $48.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | 13.81% | 13.81% | 15.00% | 8.36% | $457.3M |
| Q4 2023 | 14.36% | 14.36% | 15.58% | 8.33% | $448.6M |
| Q1 2024 | 14.80% | 14.80% | 16.04% | 8.39% | $443.0M |
| Q2 2024 | 14.64% | 14.64% | 15.84% | 8.53% | $456.6M |
| Q3 2024 | 14.87% | 14.87% | 16.06% | 8.64% | $461.1M |
| Q4 2024 | 14.62% | 14.62% | 15.75% | 8.66% | $479.4M |
| Q1 2025 | 14.37% | 14.37% | 15.49% | 9.10% | $497.9M |
| Q2 2025 | 14.33% | 14.33% | 15.45% | 9.37% | $512.7M |
| Q3 2025 | 14.56% | 14.56% | 15.70% | 9.72% | $514.8M |
| Q4 2025 | 15.12% | 15.12% | 16.32% | 9.42% | $502.9M |
| Q1 2026 | 15.36% | 15.36% | 16.58% | 9.47% | $502.8M |
| Q2 2026 | 15.31% | 15.31% | 16.53% | 9.66% | $511.6M |
Bank of the West regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the West, 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 West profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26627) · FFIEC NIC profile (RSSD 859552)