BANK7: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to average assets rose 0.65 percentage points from Q1 2026 to Q2 2026, ending at 14.24% against 13.60%. It was the largest change among the key lines on this page. BANK7 ranks 32nd of 71 Oklahoma banks on CET1 ratio, in the upper half at 15.18% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. BANK7 sits 1.68 points higher, at 15.18% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.18% |
| Tier 1 risk-based capital ratio | 15.18% |
| Total risk-based capital ratio | 16.36% |
| Tier 1 leverage ratio | 13.88% |
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 | $256.9M |
| Tier 1 capital | $256.9M |
| Total risk-based capital | $276.9M |
| Total equity capital | $265.3M |
| Risk-weighted assets | $1.69B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.86% |
| Tangible equity to tangible assets | 13.37% |
| Equity capital to average assets | 14.24% |
| Internal capital growth rate | 8.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $40K |
| Common stock surplus | $14.2M |
| Retained earnings | $253.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| 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 | 11.40% | 11.40% | 12.65% | 9.75% | $1.47B |
| Q4 2023 | 11.50% | 11.50% | 12.75% | 9.50% | $1.45B |
| Q1 2024 | 12.11% | 12.11% | 13.36% | 10.10% | $1.46B |
| Q2 2024 | 13.03% | 13.03% | 14.28% | 11.12% | $1.44B |
| Q3 2024 | 12.93% | 12.93% | 14.12% | 11.64% | $1.54B |
| Q4 2024 | 13.99% | 13.99% | 15.22% | 12.18% | $1.49B |
| Q1 2025 | 14.03% | 14.03% | 15.25% | 12.39% | $1.52B |
| Q2 2025 | 13.90% | 13.90% | 15.06% | 12.49% | $1.61B |
| Q3 2025 | 14.23% | 14.23% | 15.44% | 12.71% | $1.64B |
| Q4 2025 | 14.09% | 14.09% | 15.25% | 12.82% | $1.71B |
| Q1 2026 | 14.79% | 14.79% | 15.96% | 13.24% | $1.69B |
| Q2 2026 | 15.18% | 15.18% | 16.36% | 13.88% | $1.69B |
BANK7 regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock BANK7, 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 BANK7 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4147) · FFIEC NIC profile (RSSD 18854)