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%.
The biggest quarter-over-quarter change on this page was a small one: Risk-weighted assets edged up 1.6% between Q1 2026 and Q2 2026, to $211.4M. Within Missouri, Commercial Bank is 84th of 98 on CET1 ratio, 10.86% as of Q2 2026, below the middle of the field. Commercial Bank reported 10.86% on CET1 ratio for Q2 2026, 4.21 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 | 10.86% |
| Tier 1 risk-based capital ratio | 10.86% |
| Total risk-based capital ratio | 11.95% |
| Tier 1 leverage ratio | 7.93% |
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 | $23.0M |
| Tier 1 capital | $23.0M |
| Total risk-based capital | $25.3M |
| Total equity capital | $15.4M |
| Risk-weighted assets | $211.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.45% |
| Tangible equity to tangible assets | 5.45% |
| Equity capital to average assets | 5.33% |
| Internal capital growth rate | 5.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.7M |
| Common stock surplus | $4.5M |
| Retained earnings | $15.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.5M |
| 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 | 10.30% | 10.30% | 11.30% | 7.25% | $210.5M |
| Q4 2023 | 10.30% | 10.30% | 11.31% | 7.35% | $211.1M |
| Q1 2024 | 10.43% | 10.43% | 11.36% | 7.43% | $210.0M |
| Q2 2024 | 10.63% | 10.63% | 11.60% | 7.54% | $207.5M |
| Q3 2024 | 10.82% | 10.82% | 11.80% | 7.52% | $205.3M |
| Q4 2024 | 10.95% | 10.95% | 11.96% | 7.64% | $201.9M |
| Q1 2025 | 10.59% | 10.59% | 11.58% | 7.75% | $209.7M |
| Q2 2025 | 10.75% | 10.75% | 11.74% | 7.73% | $208.6M |
| Q3 2025 | 10.99% | 10.99% | 12.07% | 7.87% | $207.0M |
| Q4 2025 | 10.83% | 10.83% | 11.94% | 7.89% | $209.0M |
| Q1 2026 | 10.94% | 10.94% | 12.03% | 7.95% | $208.1M |
| Q2 2026 | 10.86% | 10.86% | 11.95% | 7.93% | $211.4M |
Commercial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27409) · FFIEC NIC profile (RSSD 1225752)