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%.
Total equity capital dropped 8.3% in Q2 2026, from $28.2M to $25.9M. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Commercial Bank is 30th of 86 on CET1 ratio, 16.24% as of Q2 2026. Commercial Bank reported 16.24% on CET1 ratio for Q2 2026, 1.15 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 | 16.24% |
| Tier 1 risk-based capital ratio | 16.24% |
| Total risk-based capital ratio | 17.45% |
| Tier 1 leverage ratio | 8.33% |
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 | $33.2M |
| Tier 1 capital | $33.2M |
| Total risk-based capital | $35.7M |
| Total equity capital | $25.9M |
| Risk-weighted assets | $204.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.78% |
| Tangible equity to tangible assets | 6.78% |
| Equity capital to average assets | 6.49% |
| Internal capital growth rate | -32.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $2.0M |
| Retained earnings | $29.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.3M |
| 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 | 15.99% | 15.99% | 17.24% | 9.51% | $222.7M |
| Q4 2023 | 16.09% | 16.09% | 17.34% | 9.57% | $219.3M |
| Q1 2024 | 17.00% | 17.00% | 18.25% | 9.93% | $212.9M |
| Q2 2024 | 16.78% | 16.78% | 18.03% | 9.84% | $212.4M |
| Q3 2024 | 17.23% | 17.23% | 18.45% | 10.14% | $214.3M |
| Q4 2024 | 17.30% | 17.30% | 18.53% | 9.73% | $209.9M |
| Q1 2025 | 16.90% | 16.90% | 18.07% | 9.27% | $207.8M |
| Q2 2025 | 16.28% | 16.28% | 17.48% | 8.82% | $205.5M |
| Q3 2025 | 17.04% | 17.04% | 18.26% | 9.62% | $208.7M |
| Q4 2025 | 18.07% | 18.07% | 19.20% | 9.97% | $208.3M |
| Q1 2026 | 16.38% | 16.38% | 17.53% | 9.20% | $217.0M |
| Q2 2026 | 16.24% | 16.24% | 17.45% | 8.33% | $204.6M |
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 11777) · FFIEC NIC profile (RSSD 296559)