First Oklahoma Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 9.07% +0.07 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $116.9M | 116,899 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.29B | 1,288,644 | RCOAA224 |
| Recomputed ratio | 9.07% | numerator / denominator | |
| Filed ratio | 9.07% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.07 pp | $921K | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 65,250 | 65,250 | 65,250 | 64,250 | 64,250 | 64,250 | RCOAP742 |
| Retained earnings | 52,287 | 51,124 | 48,432 | 46,395 | 43,583 | 41,230 | RCOAKW00 |
| Accumulated other comprehensive income | (348) | (369) | (97) | (418) | (555) | (518) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 117,189 | 116,005 | 113,585 | 110,227 | 107,278 | 104,962 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (290) | (180) | (435) | (105) | (32) | (105) | P859 - P840 |
| Common equity Tier 1 capital | 116,899 | 115,825 | 113,150 | 110,122 | 107,246 | 104,857 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 116,899 | 115,825 | 113,150 | 110,122 | 107,246 | 104,857 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 1,288,644 | 1,281,047 | 1,250,607 | 1,208,686 | 1,158,273 | 1,152,094 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 9.07% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 9.04% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 9.05% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 9.11% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 9.26% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 9.10% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 9.22% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 9.30% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 9.25% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 9.39% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 9.30% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 9.47% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First Oklahoma Bank (this bank) | CBLR | NA | NA | NA | 9.07% | |
| The Yellowstone Bank | $1.34B | CBLR | NA | NA | NA | 12.33% |
| Skyline National Bank | $1.33B | Risk-based | 10.97% | 10.97% | 11.86% | 8.81% |
| Wells Fargo Trust Company, N.A. | $1.33B | Risk-based | 386.74% | 386.74% | 386.74% | 95.95% |
| Capra Bank | $1.34B | Risk-based | 15.62% | 15.62% | 16.41% | 8.91% |
| Summit Bank | $1.33B | CBLR | NA | NA | NA | 11.34% |
| Amalgamated Bank of Chicago | $1.33B | Risk-based | 15.60% | 15.60% | 16.63% | 11.41% |
| Security Bank & Trust Company | $1.33B | Risk-based | 13.90% | 13.90% | 14.96% | 9.37% |
| Studio Bank | $1.34B | Risk-based | 11.45% | 11.45% | 12.63% | 9.49% |
| Martha's Vineyard Bank | $1.33B | CBLR | NA | NA | NA | 11.75% |
| Bank Midwest | $1.35B | Risk-based | 11.95% | 11.95% | 13.12% | 10.16% |
| Peer 25th percentile | 11.70% | 11.70% | 12.88% | 9.40% | ||
| Peer median | 13.90% | 13.90% | 14.96% | 10.75% | ||
| Peer 75th percentile | 15.61% | 15.61% | 16.52% | 11.67% | ||
| This bank's percentile | NA | NA | NA | 20 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/75259/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.