Community Bank of Raymore: 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%.
Compared with Q1 2026, Risk-weighted assets rose 4.1% in Q2 2026 to $179.8M, the biggest move on this page. Community Bank of Raymore ranks 14th of 98 Missouri banks on CET1 ratio, in the upper half at 20.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Community Bank of Raymore sits 5.14 points higher, at 20.21% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.21% |
| Tier 1 risk-based capital ratio | 20.21% |
| Total risk-based capital ratio | 20.58% |
| Tier 1 leverage ratio | 9.70% |
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 | $36.3M |
| Tier 1 capital | $36.3M |
| Total risk-based capital | $37.0M |
| Total equity capital | $13.9M |
| Risk-weighted assets | $179.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 4.00% |
| Tangible equity to tangible assets | 3.98% |
| Equity capital to average assets | 3.70% |
| Internal capital growth rate | 23.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $900K |
| Common stock surplus | $5.3M |
| Retained earnings | $30.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$22.5M |
| 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 | 18.46% | 18.46% | 19.45% | 8.78% | $161.9M |
| Q4 2023 | 18.26% | 18.26% | 19.13% | 9.10% | $165.0M |
| Q1 2024 | 19.91% | 19.91% | 20.71% | 8.81% | $156.4M |
| Q2 2024 | 19.94% | 19.94% | 20.59% | 9.20% | $160.7M |
| Q3 2024 | 20.63% | 20.63% | 21.29% | 8.82% | $158.7M |
| Q4 2024 | 21.27% | 21.27% | 21.92% | 8.89% | $153.3M |
| Q1 2025 | 19.36% | 19.36% | 19.92% | 9.15% | $176.6M |
| Q2 2025 | 25.34% | 25.34% | 25.89% | 8.92% | $132.0M |
| Q3 2025 | 23.82% | 23.82% | 24.30% | 9.36% | $143.8M |
| Q4 2025 | 26.68% | 26.68% | 27.19% | 9.73% | $130.6M |
| Q1 2026 | 20.57% | 20.57% | 20.96% | 9.55% | $172.7M |
| Q2 2026 | 20.21% | 20.21% | 20.58% | 9.70% | $179.8M |
Community Bank of Raymore regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Raymore, 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 Raymore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22867) · FFIEC NIC profile (RSSD 716851)