The Bank: 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 Retained earnings: 14.9% higher than in Q1 2026, at $30.6M. The Bank ranks 25th of 84 Kansas banks on CET1 ratio, in the upper half at 18.10% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Bank sits 3.03 points higher, at 18.10% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.10% |
| Tier 1 risk-based capital ratio | 18.10% |
| Total risk-based capital ratio | 19.35% |
| Tier 1 leverage ratio | 11.46% |
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 | $70.7M |
| Tier 1 capital | $70.7M |
| Total risk-based capital | $75.6M |
| Total equity capital | $75.2M |
| Risk-weighted assets | $390.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.18% |
| Tangible equity to tangible assets | 11.38% |
| Equity capital to average assets | 12.08% |
| Internal capital growth rate | 22.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $646K |
| Common stock surplus | $45.1M |
| Retained earnings | $30.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 20.26% | 20.26% | 21.52% | 11.34% | $256.6M |
| Q4 2023 | 20.88% | 20.88% | 22.14% | 11.77% | $259.4M |
| Q1 2024 | 21.10% | 21.10% | 22.36% | 11.59% | $256.3M |
| Q2 2024 | 21.42% | 21.42% | 22.68% | 12.33% | $262.6M |
| Q3 2024 | 21.13% | 21.13% | 22.39% | 12.63% | $269.7M |
| Q4 2024 | 23.86% | 23.86% | 25.12% | 14.31% | $275.0M |
| Q1 2025 | 15.81% | 15.81% | 17.06% | 9.66% | $370.9M |
| Q2 2025 | 16.70% | 16.70% | 17.95% | 10.81% | $376.4M |
| Q3 2025 | 16.66% | 16.66% | 17.91% | 10.99% | $381.1M |
| Q4 2025 | 16.83% | 16.83% | 18.08% | 11.33% | $394.6M |
| Q1 2026 | 17.50% | 17.50% | 18.76% | 10.87% | $378.6M |
| Q2 2026 | 18.10% | 18.10% | 19.35% | 11.46% | $390.6M |
The Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26522) · FFIEC NIC profile (RSSD 333650)