Central Bank of Kansas City: 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 Equity capital to average assets, which rose 0.44 percentage points to 12.46%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.95% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $48.2M |
| Tier 1 capital | $48.2M |
| Total risk-based capital | — |
| Total equity capital | $50.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.34% |
| Tangible equity to tangible assets | 11.82% |
| Equity capital to average assets | 12.46% |
| Internal capital growth rate | 0.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $24.7M |
| Retained earnings | $24.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$59K |
| 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 | 17.64% | 17.64% | 18.89% | 13.30% | $271.5M |
| Q4 2023 | 16.68% | 16.68% | 17.92% | 13.09% | $287.0M |
| Q1 2024 | 16.17% | 16.17% | 17.38% | 12.67% | $296.2M |
| Q2 2024 | 15.20% | 15.20% | 16.37% | 12.90% | $315.1M |
| Q3 2024 | 15.49% | 15.49% | 16.70% | 13.84% | $309.4M |
| Q4 2024 | 14.58% | 14.58% | 15.74% | 13.40% | $329.5M |
| Q1 2025 | 14.84% | 14.84% | 16.05% | 13.28% | $324.3M |
| Q2 2025 | 14.39% | 14.39% | 15.59% | 13.46% | $333.8M |
| Q3 2025 | 14.17% | 14.17% | 15.39% | 12.56% | $339.1M |
| Q4 2025 | 13.05% | 13.05% | 14.20% | 11.03% | $368.8M |
| Q1 2026 | 13.43% | 13.43% | 14.63% | 11.51% | $358.9M |
| Q2 2026 | — | — | — | 11.95% | — |
Central Bank of Kansas City regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Bank of Kansas City, 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 Central Bank of Kansas City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17009) · FFIEC NIC profile (RSSD 751852)