Bankers' Bank of Kansas: 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 Equity capital to total assets: 2.79 percentage points lower than in Q1 2026, at 14.29%. Bankers' Bank of Kansas ranks 27th of 85 Kansas banks on CET1 ratio, in the upper half at 17.97% (Q2 2026). Bankers' Bank of Kansas reported 17.97% on CET1 ratio for Q2 2026, 2.90 points above 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 | 17.97% |
| Tier 1 risk-based capital ratio | 17.97% |
| Total risk-based capital ratio | 19.22% |
| Tier 1 leverage ratio | 16.31% |
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 | $36.8M |
| Tier 1 capital | $36.8M |
| Total risk-based capital | $39.4M |
| Total equity capital | $36.5M |
| Risk-weighted assets | $204.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.29% |
| Tangible equity to tangible assets | 14.29% |
| Equity capital to average assets | 16.19% |
| Internal capital growth rate | 5.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $3.5M |
| Retained earnings | $32.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$268K |
| 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 | 20.73% | 20.73% | 21.99% | 16.27% | $158.1M |
| Q4 2023 | 20.96% | 20.96% | 22.21% | 16.26% | $158.2M |
| Q1 2024 | 22.13% | 22.13% | 23.39% | 16.57% | $150.7M |
| Q2 2024 | 22.20% | 22.20% | 23.45% | 17.15% | $157.5M |
| Q3 2024 | 22.66% | 22.66% | 23.92% | 16.71% | $156.0M |
| Q4 2024 | 21.46% | 21.46% | 22.72% | 16.58% | $164.0M |
| Q1 2025 | 22.65% | 22.65% | 23.91% | 16.93% | $156.9M |
| Q2 2025 | 21.67% | 21.67% | 22.93% | 16.97% | $165.3M |
| Q3 2025 | 21.27% | 21.27% | 22.53% | 15.83% | $170.6M |
| Q4 2025 | 20.21% | 20.21% | 21.46% | 16.75% | $180.4M |
| Q1 2026 | 18.43% | 18.43% | 19.68% | 15.52% | $197.2M |
| Q2 2026 | 17.97% | 17.97% | 19.22% | 16.31% | $204.9M |
Bankers' Bank of Kansas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankers' Bank of Kansas, 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 Bankers' Bank of Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27351) · FFIEC NIC profile (RSSD 1218446)