First Bank of Owasso: 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 Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.58 percentage points to 15.53%. First Bank of Owasso ranks 18th of 71 Oklahoma banks on CET1 ratio, in the upper half at 18.22% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Bank of Owasso sits 3.15 points higher, at 18.22% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.22% |
| Tier 1 risk-based capital ratio | 18.22% |
| Total risk-based capital ratio | 19.47% |
| Tier 1 leverage ratio | 15.67% |
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 | $101.3M |
| Tier 1 capital | $101.3M |
| Total risk-based capital | $108.2M |
| Total equity capital | $99.3M |
| Risk-weighted assets | $555.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.53% |
| Tangible equity to tangible assets | 15.53% |
| Equity capital to average assets | 15.36% |
| Internal capital growth rate | 10.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $1.2M |
| Retained earnings | $101.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.0M |
| 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 | 18.20% | 18.20% | 19.46% | 14.34% | $439.6M |
| Q4 2023 | 18.85% | 18.85% | 20.11% | 15.63% | $439.7M |
| Q1 2024 | 18.50% | 18.50% | 19.75% | 15.29% | $456.4M |
| Q2 2024 | 19.55% | 19.55% | 20.80% | 15.84% | $449.2M |
| Q3 2024 | 19.66% | 19.66% | 20.91% | 16.71% | $456.4M |
| Q4 2024 | 18.79% | 18.79% | 20.04% | 17.09% | $488.8M |
| Q1 2025 | 17.91% | 17.91% | 19.16% | 15.60% | $514.6M |
| Q2 2025 | 18.76% | 18.76% | 20.01% | 15.52% | $505.2M |
| Q3 2025 | 18.52% | 18.52% | 19.77% | 15.95% | $516.1M |
| Q4 2025 | 18.61% | 18.61% | 19.86% | 16.72% | $528.6M |
| Q1 2026 | 17.98% | 17.98% | 19.23% | 15.50% | $548.8M |
| Q2 2026 | 18.22% | 18.22% | 19.47% | 15.67% | $555.8M |
First Bank of Owasso regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Owasso, 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 First Bank of Owasso profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18592) · FFIEC NIC profile (RSSD 637554)