Community Bank of Missouri: 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%.
Equity capital to total assets rose 0.66 percentage points from Q1 2026 to Q2 2026, ending at 13.80% against 13.13%. It was the largest change among the key lines on this page. Within Missouri, Community Bank of Missouri is 29th of 98 on CET1 ratio, 16.21% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 19.50% on CET1 ratio. Community Bank of Missouri sits 3.29 points lower, at 16.21% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.21% |
| Tier 1 risk-based capital ratio | 16.21% |
| Total risk-based capital ratio | 17.06% |
| Tier 1 leverage ratio | 13.86% |
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 | $13.0M |
| Tier 1 capital | $13.0M |
| Total risk-based capital | $13.7M |
| Total equity capital | $13.0M |
| Risk-weighted assets | $80.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.80% |
| Tangible equity to tangible assets | 13.80% |
| Equity capital to average assets | 13.86% |
| Internal capital growth rate | 14.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $1.5M |
| Retained earnings | $10.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19K |
| 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 | 18.69% | 18.69% | 19.57% | 14.17% | $57.7M |
| Q4 2023 | 18.96% | 18.96% | 19.85% | 14.15% | $57.3M |
| Q1 2024 | 17.55% | 17.55% | 18.43% | 14.04% | $61.2M |
| Q2 2024 | 18.69% | 18.69% | 19.60% | 14.09% | $59.6M |
| Q3 2024 | 17.95% | 17.95% | 18.84% | 14.14% | $64.1M |
| Q4 2024 | 18.33% | 18.33% | 19.22% | 13.88% | $64.0M |
| Q1 2025 | 18.11% | 18.11% | 18.99% | 13.50% | $64.2M |
| Q2 2025 | 17.87% | 17.87% | 18.74% | 13.32% | $67.3M |
| Q3 2025 | 17.31% | 17.31% | 18.16% | 13.82% | $71.8M |
| Q4 2025 | 16.89% | 16.89% | 17.74% | 13.64% | $74.6M |
| Q1 2026 | 16.68% | 16.68% | 17.54% | 13.23% | $75.3M |
| Q2 2026 | 16.21% | 16.21% | 17.06% | 13.86% | $80.1M |
Community Bank of Missouri regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Missouri, 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 Community Bank of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57141) · FFIEC NIC profile (RSSD 3005097)