Cass Commercial 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%.
Tangible equity to tangible assets fell 0.53 percentage points from Q1 2026 to Q2 2026, ending at 14.62% against 15.16%. It was the largest change among the key lines on this page. Within Missouri, Cass Commercial Bank is 22nd of 98 on CET1 ratio, 17.16% as of Q2 2026, above the middle of the field. Cass Commercial Bank reported 17.16% on CET1 ratio for Q2 2026, 3.69 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.16% |
| Tier 1 risk-based capital ratio | 17.16% |
| Total risk-based capital ratio | 18.40% |
| Tier 1 leverage ratio | 14.10% |
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 | $196.7M |
| Tier 1 capital | $196.7M |
| Total risk-based capital | $210.8M |
| Total equity capital | $194.1M |
| Risk-weighted assets | $1.15B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.63% |
| Tangible equity to tangible assets | 14.62% |
| Equity capital to average assets | 13.91% |
| Internal capital growth rate | -14.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $6.9M |
| Retained earnings | $187.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.7M |
| 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 | 16.98% | 16.98% | 18.14% | 12.17% | $1.09B |
| Q4 2023 | 17.88% | 17.88% | 19.04% | 12.49% | $1.07B |
| Q1 2024 | 17.54% | 17.54% | 18.68% | 12.83% | $1.10B |
| Q2 2024 | 17.07% | 17.07% | 18.21% | 14.00% | $1.14B |
| Q3 2024 | 16.94% | 16.94% | 18.06% | 13.61% | $1.16B |
| Q4 2024 | 16.56% | 16.56% | 17.68% | 13.50% | $1.17B |
| Q1 2025 | 16.71% | 16.71% | 17.89% | 13.04% | $1.18B |
| Q2 2025 | 17.84% | 17.84% | 19.05% | 14.45% | $1.14B |
| Q3 2025 | 18.41% | 18.41% | 19.63% | 14.16% | $1.12B |
| Q4 2025 | 18.40% | 18.40% | 19.61% | 14.48% | $1.11B |
| Q1 2026 | 18.11% | 18.11% | 19.31% | 14.54% | $1.13B |
| Q2 2026 | 17.16% | 17.16% | 18.40% | 14.10% | $1.15B |
Cass Commercial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cass Commercial 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 Cass Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1068) · FFIEC NIC profile (RSSD 177751)