The Bankers 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.4% to $21.6M. The Bankers Bank ranks 40th of 71 Oklahoma banks on CET1 ratio, in the lower half at 14.08% (Q2 2026). The Bankers Bank reported 14.08% on CET1 ratio for Q2 2026, 0.99 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 | 14.08% |
| Tier 1 risk-based capital ratio | 14.08% |
| Total risk-based capital ratio | 15.33% |
| Tier 1 leverage ratio | 12.70% |
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 | $39.7M |
| Tier 1 capital | $39.7M |
| Total risk-based capital | $43.2M |
| Total equity capital | $39.6M |
| Risk-weighted assets | $281.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.74% |
| Tangible equity to tangible assets | 12.74% |
| Equity capital to average assets | 12.66% |
| Internal capital growth rate | 7.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $17.0M |
| Retained earnings | $21.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$74K |
| 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 | — | — | — | 13.20% | — |
| Q4 2023 | — | — | — | 14.42% | — |
| Q1 2024 | — | — | — | 13.73% | — |
| Q2 2024 | 15.77% | 15.77% | 17.02% | 13.99% | $220.6M |
| Q3 2024 | 16.47% | 16.47% | 17.72% | 14.20% | $222.4M |
| Q4 2024 | 15.55% | 15.55% | 16.81% | 14.12% | $241.1M |
| Q1 2025 | 15.03% | 15.03% | 16.28% | 13.60% | $242.9M |
| Q2 2025 | 14.98% | 14.98% | 16.24% | 13.70% | $250.0M |
| Q3 2025 | 13.77% | 13.77% | 15.23% | 13.16% | $279.8M |
| Q4 2025 | 12.78% | 12.78% | 14.03% | 12.77% | $307.9M |
| Q1 2026 | 13.43% | 13.43% | 14.68% | 12.44% | $290.3M |
| Q2 2026 | 14.08% | 14.08% | 15.33% | 12.70% | $281.9M |
The Bankers Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bankers 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 Bankers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26677) · FFIEC NIC profile (RSSD 859655)