Boc 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%.
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 climbed 2.27 percentage points in Q2 2026, from 9.92% to 12.20%. It was the largest change from Q1 2026 among the key lines here. Boc Bank ranks 105th of 184 Texas banks on CET1 ratio, in the lower half at 16.02% (Q2 2026). Boc Bank reported 16.02% on CET1 ratio for Q2 2026, 0.93 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.02% |
| Tier 1 risk-based capital ratio | 16.02% |
| Total risk-based capital ratio | 17.27% |
| Tier 1 leverage ratio | 12.41% |
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 | $26.2M |
| Tier 1 capital | $26.2M |
| Total risk-based capital | $28.3M |
| Total equity capital | $25.8M |
| Risk-weighted assets | $163.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.67% |
| Tangible equity to tangible assets | 12.67% |
| Equity capital to average assets | 12.20% |
| Internal capital growth rate | 14.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $332K |
| Common stock surplus | $7.1M |
| Retained earnings | $18.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$451K |
| 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 | 18.91% | 18.91% | 20.16% | 9.01% | $112.2M |
| Q4 2023 | 15.64% | 15.64% | 16.89% | 8.15% | $132.8M |
| Q1 2024 | 15.98% | 15.98% | 17.23% | 8.66% | $133.1M |
| Q2 2024 | 16.04% | 16.04% | 17.29% | 10.47% | $135.2M |
| Q3 2024 | 14.59% | 14.59% | 15.84% | 10.04% | $153.1M |
| Q4 2024 | 14.28% | 14.28% | 15.53% | 10.06% | $156.4M |
| Q1 2025 | 14.89% | 14.89% | 16.14% | 10.40% | $156.0M |
| Q2 2025 | 15.75% | 15.75% | 16.91% | 11.28% | $154.6M |
| Q3 2025 | 17.88% | 17.88% | 19.13% | 12.46% | $142.1M |
| Q4 2025 | 15.52% | 15.52% | 16.77% | 11.07% | $162.9M |
| Q1 2026 | 14.40% | 14.40% | 15.66% | 10.08% | $175.5M |
| Q2 2026 | 16.02% | 16.02% | 17.27% | 12.41% | $163.6M |
Boc Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Boc 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 Boc Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25328) · FFIEC NIC profile (RSSD 352651)