Bankers' 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%.
Equity capital to total assets fell 0.63 percentage points from Q1 2026 to Q2 2026, ending at 13.27% against 13.91%. It was the largest change among the key lines on this page. Within Colorado, Bankers' Bank of the West is 24th of 34 on CET1 ratio, 13.46% as of Q2 2026, below the middle of the field. Bankers' Bank of the West reported 13.46% on CET1 ratio for Q2 2026, 1.62 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 | 13.46% |
| Tier 1 risk-based capital ratio | 13.46% |
| Total risk-based capital ratio | 14.71% |
| Tier 1 leverage ratio | 14.37% |
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 | $58.7M |
| Tier 1 capital | $58.7M |
| Total risk-based capital | $64.1M |
| Total equity capital | $57.6M |
| Risk-weighted assets | $436.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.27% |
| Tangible equity to tangible assets | 13.27% |
| Equity capital to average assets | 14.10% |
| Internal capital growth rate | 5.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $15.1M |
| Retained earnings | $42.3M |
| 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 | 13.80% | 13.80% | 15.05% | 13.40% | $403.0M |
| Q4 2023 | 14.42% | 14.42% | 15.67% | 13.66% | $381.1M |
| Q1 2024 | 14.10% | 14.10% | 15.35% | 14.05% | $398.4M |
| Q2 2024 | 13.82% | 13.82% | 15.07% | 13.96% | $409.7M |
| Q3 2024 | 13.67% | 13.67% | 14.92% | 13.75% | $411.4M |
| Q4 2024 | 13.56% | 13.56% | 14.81% | 13.75% | $409.1M |
| Q1 2025 | 13.55% | 13.55% | 14.81% | 14.15% | $413.9M |
| Q2 2025 | 13.48% | 13.48% | 14.73% | 14.11% | $421.9M |
| Q3 2025 | 13.45% | 13.45% | 14.70% | 13.77% | $425.6M |
| Q4 2025 | 13.56% | 13.56% | 14.81% | 13.89% | $427.0M |
| Q1 2026 | 13.85% | 13.85% | 15.10% | 14.42% | $418.1M |
| Q2 2026 | 13.46% | 13.46% | 14.71% | 14.37% | $436.0M |
Bankers' Bank of the West regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankers' 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 Bankers' Bank of the West profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23210) · FFIEC NIC profile (RSSD 732758)