The First Bank of Okarche: 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 Q2 2026 and Q3 2026 was in Retained earnings, which rose 2.9% to $22.2M.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.22% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $22.9M |
| Tier 1 capital | $22.9M |
| Total risk-based capital | — |
| Total equity capital | $22.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 15.96% |
| Tangible equity to tangible assets | 15.96% |
| Equity capital to average assets | 16.22% |
| Internal capital growth rate | 11.27% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $400K |
| Retained earnings | $22.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q4 2023 | 12.45% | 12.24% | 12.24% |
| Q1 2024 | 13.03% | 12.92% | 12.92% |
| Q2 2024 | 13.73% | 13.56% | 13.56% |
| Q3 2024 | 14.23% | 14.18% | 14.18% |
| Q4 2024 | 13.88% | 13.83% | 13.83% |
| Q1 2025 | 14.24% | 14.15% | 14.15% |
| Q2 2025 | 14.62% | 14.48% | 14.48% |
| Q3 2025 | 15.00% | 15.00% | 15.00% |
| Q4 2025 | 15.09% | 15.17% | 15.17% |
| Q1 2026 | 15.88% | 15.65% | 15.65% |
| Q2 2026 | 16.13% | 16.20% | 16.20% |
| Q3 2026 | 16.22% | 15.96% | 15.96% |
The First Bank of Okarche regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Bank of Okarche, 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 The First Bank of Okarche profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1165) · FFIEC NIC profile (RSSD 918150)