Community Bank of Oklahoma: 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 total assets, which rose 0.62 percentage points to 10.92%.
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 | 12.10% |
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 | $8.4M |
| Tier 1 capital | $8.4M |
| Total risk-based capital | — |
| Total equity capital | $7.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.92% |
| Tangible equity to tangible assets | 10.92% |
| Equity capital to average assets | 10.58% |
| Internal capital growth rate | -4.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $330K |
| Common stock surplus | $500K |
| Retained earnings | $7.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 17.66% | 17.66% | 18.36% | 10.10% | $44.5M |
| Q4 2023 | 17.58% | 17.58% | 18.26% | 10.32% | $45.5M |
| Q1 2024 | 16.33% | 16.33% | 17.00% | 10.09% | $46.6M |
| Q2 2024 | 16.77% | 16.77% | 17.43% | 10.59% | $47.0M |
| Q3 2024 | 16.33% | 16.33% | 16.95% | 11.13% | $50.3M |
| Q4 2024 | 16.64% | 16.64% | 17.26% | 12.27% | $50.2M |
| Q1 2025 | — | — | — | 11.66% | — |
| Q2 2025 | 15.64% | 15.64% | 16.24% | 11.33% | $52.3M |
| Q3 2025 | — | — | — | 12.15% | — |
| Q4 2025 | — | — | — | 13.12% | — |
| Q1 2026 | — | — | — | 12.46% | — |
| Q2 2026 | — | — | — | 12.10% | — |
Community Bank of Oklahoma regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Oklahoma, 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 Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4217) · FFIEC NIC profile (RSSD 412452)