The 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 largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which fell 5.5% to $155.7M. The Bank of the West ranks 54th of 71 Oklahoma banks on CET1 ratio, in the lower half at 12.72% (Q2 2026). The Bank of the West reported 12.72% on CET1 ratio for Q2 2026, 2.35 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.72% |
| Tier 1 risk-based capital ratio | 12.72% |
| Total risk-based capital ratio | 13.97% |
| Tier 1 leverage ratio | 10.49% |
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 | $19.8M |
| Tier 1 capital | $19.8M |
| Total risk-based capital | $21.8M |
| Total equity capital | $19.8M |
| Risk-weighted assets | $155.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.29% |
| Tangible equity to tangible assets | 10.29% |
| Equity capital to average assets | 10.49% |
| Internal capital growth rate | 1.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $650K |
| Common stock surplus | $5.5M |
| Retained earnings | $13.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 13.94% | 13.94% | 15.19% | 12.90% | $150.7M |
| Q4 2023 | 14.18% | 14.18% | 15.43% | 13.04% | $148.8M |
| Q1 2024 | 13.03% | 13.03% | 14.28% | 12.74% | $163.0M |
| Q2 2024 | 13.11% | 13.11% | 14.36% | 12.52% | $162.7M |
| Q3 2024 | 12.64% | 12.64% | 13.89% | 12.63% | $170.1M |
| Q4 2024 | 12.76% | 12.76% | 14.02% | 12.71% | $168.6M |
| Q1 2025 | 13.47% | 13.47% | 14.73% | 12.65% | $160.8M |
| Q2 2025 | 13.96% | 13.96% | 15.21% | 12.40% | $155.6M |
| Q3 2025 | 13.00% | 13.00% | 14.25% | 12.29% | $168.2M |
| Q4 2025 | 12.68% | 12.68% | 13.93% | 12.21% | $172.8M |
| Q1 2026 | 11.97% | 11.97% | 13.22% | 10.96% | $164.7M |
| Q2 2026 | 12.72% | 12.72% | 13.97% | 10.49% | $155.7M |
The Bank of the West regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Bank of the West profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25703) · FFIEC NIC profile (RSSD 401755)