Community Bank of Oklahoma: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 12.10% +3.10 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $8.4M | 8,403 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $69.4M | 69,443 | RCOAA224 |
| Recomputed ratio | 12.10% | numerator / denominator | |
| Filed ratio | 12.10% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.10 pp | $2.2M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 738 | 737 | 738 | 738 | 738 | 738 | RCOAP742 |
| Retained earnings | 7,665 | 7,756 | 7,878 | 7,779 | 7,450 | 7,174 | RCOAKW00 |
| Accumulated other comprehensive income | (1,058) | (1,027) | (1,005) | (1,078) | (1,317) | (1,357) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 7,345 | 7,466 | 7,611 | 7,439 | 6,871 | 6,555 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,058 | 1,027 | 1,005 | 1,078 | 1,317 | 1,357 | P859 - P840 |
| Common equity Tier 1 capital | 8,403 | 8,493 | 8,616 | 8,517 | 8,188 | 7,912 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 8,403 | 8,493 | 8,616 | 8,517 | 8,188 | 7,912 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | 311 | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | 311 | NA | |
| Total capital | NA | NA | NA | NA | 8,499 | NA | |
| Total risk-weighted assets | NA | NA | NA | NA | 52,347 | NA | |
| Average total assets for the leverage ratio | 69,443 | 68,165 | 65,685 | 70,090 | 72,267 | 67,872 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 12.10% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 12.46% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 13.12% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 12.15% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | Risk-based | 15.64% | 15.64% | 16.24% | 11.33% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 11.66% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | Risk-based | 16.64% | 16.64% | 17.26% | 12.27% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | Risk-based | 16.33% | 16.33% | 16.95% | 11.13% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | Risk-based | 16.77% | 16.77% | 17.43% | 10.59% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | 16.33% | 16.33% | 17.00% | 10.09% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | 17.58% | 17.58% | 18.26% | 10.32% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | Risk-based | 17.66% | 17.66% | 18.36% | 10.10% | 20.70% | 20.70% | 21.86% | 12.73% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Community Bank of Oklahoma (this bank) | CBLR | NA | NA | NA | 12.10% | |
| Farmers & Traders Bank of Campton | $67.2M | Risk-based | 12.76% | 12.76% | 13.65% | 9.24% |
| Homewood Federal Savings Bank | $67.3M | Risk-based | 38.05% | 38.05% | 39.15% | 26.12% |
| Jackson Parish Bank | $67.3M | CBLR | NA | NA | NA | 20.77% |
| The Bank of Houston | $67.4M | CBLR | NA | NA | NA | 14.14% |
| Bank of Bearden | $67.4M | Risk-based | 20.07% | 20.07% | 21.10% | 11.29% |
| The Lauderdale County Bank | $67.5M | CBLR | NA | NA | NA | 11.54% |
| Farmers State Bank | $66.9M | Risk-based | 14.32% | 14.32% | 15.41% | 8.18% |
| The Port Austin State Bank | $67.8M | CBLR | NA | NA | NA | 18.44% |
| Oklahoma State Bank | $66.7M | Risk-based | 14.51% | 14.51% | 15.28% | 10.36% |
| Peer 25th percentile | 14.32% | 14.32% | 15.28% | 10.36% | ||
| Peer median | 14.51% | 14.51% | 15.41% | 11.54% | ||
| Peer 75th percentile | 20.07% | 20.07% | 21.10% | 18.44% | ||
| This bank's percentile | NA | NA | NA | 56 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/412452/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.