Exchange Bank and Trust Company: 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 0.28 percentage points from Q1 2026 to Q2 2026, ending at 8.73% against 8.45%. It was the largest change among the key lines on this page. Within Oklahoma, Exchange Bank and Trust Company is 34th of 71 on CET1 ratio, 14.69% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Exchange Bank and Trust Company reported 14.69% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.69% |
| Tier 1 risk-based capital ratio | 14.69% |
| Total risk-based capital ratio | 16.04% |
| Tier 1 leverage ratio | 10.75% |
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 | $46.2M |
| Tier 1 capital | $46.2M |
| Total risk-based capital | $50.4M |
| Total equity capital | $37.4M |
| Risk-weighted assets | $314.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.73% |
| Tangible equity to tangible assets | 8.73% |
| Equity capital to average assets | 8.72% |
| Internal capital growth rate | 10.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $7.8M |
| Retained earnings | $37.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.7M |
| 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 | 13.93% | 13.93% | 15.16% | 10.52% | $283.2M |
| Q4 2023 | 13.75% | 13.75% | 14.97% | 10.54% | $288.5M |
| Q1 2024 | 13.60% | 13.60% | 14.82% | 10.32% | $294.3M |
| Q2 2024 | 13.65% | 13.65% | 14.93% | 10.26% | $296.8M |
| Q3 2024 | 13.59% | 13.59% | 14.86% | 10.25% | $300.2M |
| Q4 2024 | 13.84% | 13.84% | 15.12% | 10.30% | $298.5M |
| Q1 2025 | 14.04% | 14.04% | 15.30% | 10.41% | $297.4M |
| Q2 2025 | 14.07% | 14.07% | 15.34% | 10.41% | $302.8M |
| Q3 2025 | 14.22% | 14.22% | 15.52% | 10.58% | $305.9M |
| Q4 2025 | 14.28% | 14.28% | 15.59% | 10.57% | $309.1M |
| Q1 2026 | 14.52% | 14.52% | 15.84% | 10.69% | $311.0M |
| Q2 2026 | 14.69% | 14.69% | 16.04% | 10.75% | $314.2M |
Exchange Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange Bank and Trust Company, 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 Exchange Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13366) · FFIEC NIC profile (RSSD 456755)