Equity 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings climbed 31.6% in Q2 2026, from $61.7M to $81.2M. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Equity Bank is 59th of 86 on CET1 ratio, 13.08% as of Q2 2026. Equity Bank reported 13.08% on CET1 ratio for Q2 2026, 0.42 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.08% |
| Tier 1 risk-based capital ratio | 13.08% |
| Total risk-based capital ratio | 14.22% |
| Tier 1 leverage ratio | 10.64% |
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 | $764.2M |
| Tier 1 capital | $764.2M |
| Total risk-based capital | $831.1M |
| Total equity capital | $895.8M |
| Risk-weighted assets | $5.84B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.61% |
| Tangible equity to tangible assets | 9.99% |
| Equity capital to average assets | 12.24% |
| Internal capital growth rate | 8.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.3M |
| Common stock surplus | $818.0M |
| Retained earnings | $81.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.8M |
| 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 | 14.67% | 14.67% | 15.88% | 10.80% | $3.77B |
| Q4 2023 | 13.86% | 13.86% | 15.05% | 10.60% | $3.80B |
| Q1 2024 | 13.15% | 13.15% | 14.30% | 10.20% | $4.00B |
| Q2 2024 | 12.93% | 12.93% | 14.04% | 10.11% | $4.07B |
| Q3 2024 | 13.03% | 13.03% | 14.12% | 10.43% | $4.16B |
| Q4 2024 | 14.15% | 14.15% | 15.27% | 10.93% | $3.98B |
| Q1 2025 | 14.43% | 14.43% | 15.62% | 11.09% | $4.00B |
| Q2 2025 | 14.45% | 14.45% | 15.62% | 11.14% | $3.99B |
| Q3 2025 | 13.12% | 13.12% | 14.28% | 10.27% | $4.69B |
| Q4 2025 | 13.63% | 13.63% | 14.80% | 10.60% | $4.67B |
| Q1 2026 | 12.67% | 12.67% | 13.82% | 10.18% | $5.84B |
| Q2 2026 | 13.08% | 13.08% | 14.22% | 10.64% | $5.84B |
Equity Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Equity 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 Equity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25858) · FFIEC NIC profile (RSSD 139656)