Banner Capital 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 Accumulated other comprehensive income: 13.5% higher than in Q1 2026, at -$1.8M. Banner Capital Bank ranks 47th of 57 Nebraska banks on CET1 ratio, in the lower half at 11.96% (Q2 2026). Banner Capital Bank reported 11.96% on CET1 ratio for Q2 2026, 3.11 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 | 11.96% |
| Tier 1 risk-based capital ratio | 11.96% |
| Total risk-based capital ratio | 13.21% |
| Tier 1 leverage ratio | 10.96% |
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 | $40.6M |
| Tier 1 capital | $40.6M |
| Total risk-based capital | $44.8M |
| Total equity capital | $41.2M |
| Risk-weighted assets | $339.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.84% |
| Tangible equity to tangible assets | 10.27% |
| Equity capital to average assets | 11.05% |
| Internal capital growth rate | 8.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $118K |
| Common stock surplus | $20.7M |
| Retained earnings | $22.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 11.10% | 11.10% | 12.14% | 10.67% | $298.8M |
| Q4 2023 | 10.96% | 10.96% | 12.00% | 10.44% | $308.6M |
| Q1 2024 | 11.33% | 11.33% | 12.43% | 10.82% | $305.7M |
| Q2 2024 | 11.13% | 11.13% | 12.23% | 10.82% | $315.8M |
| Q3 2024 | 11.24% | 11.24% | 12.38% | 10.57% | $322.6M |
| Q4 2024 | 11.76% | 11.76% | 12.98% | 10.30% | $310.0M |
| Q1 2025 | 12.13% | 12.13% | 13.38% | 10.54% | $308.0M |
| Q2 2025 | 12.28% | 12.28% | 13.53% | 10.78% | $308.3M |
| Q3 2025 | 12.10% | 12.10% | 13.35% | 10.86% | $317.7M |
| Q4 2025 | 12.19% | 12.19% | 13.44% | 10.77% | $325.3M |
| Q1 2026 | 12.20% | 12.20% | 13.45% | 10.76% | $325.0M |
| Q2 2026 | 11.96% | 11.96% | 13.21% | 10.96% | $339.1M |
Banner Capital Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Banner Capital 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 Banner Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19274) · FFIEC NIC profile (RSSD 275255)