First Option 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%.
Risk-weighted assets rose 3.6% from Q1 2026 to Q2 2026, ending at $415.0M against $400.6M. It was the largest change among the key lines on this page. First Option Bank ranks 34th of 85 Kansas banks on CET1 ratio, in the upper half at 15.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Option Bank sits 0.69 points higher, at 15.76% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.76% |
| Tier 1 risk-based capital ratio | 15.76% |
| Total risk-based capital ratio | 16.65% |
| Tier 1 leverage ratio | 8.18% |
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 | $65.4M |
| Tier 1 capital | $65.4M |
| Total risk-based capital | $69.1M |
| Total equity capital | $53.2M |
| Risk-weighted assets | $415.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.50% |
| Tangible equity to tangible assets | 6.43% |
| Equity capital to average assets | 6.64% |
| Internal capital growth rate | 11.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $20.8M |
| Retained earnings | $44.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.9M |
| 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 | 13.33% | 13.33% | 14.08% | 7.70% | $399.0M |
| Q4 2023 | 13.52% | 13.52% | 14.41% | 7.85% | $403.2M |
| Q1 2024 | 13.80% | 13.80% | 14.69% | 7.84% | $400.6M |
| Q2 2024 | 13.52% | 13.52% | 14.41% | 7.93% | $415.2M |
| Q3 2024 | 14.37% | 14.37% | 15.32% | 8.08% | $398.2M |
| Q4 2024 | 15.03% | 15.03% | 16.05% | 8.23% | $387.0M |
| Q1 2025 | 15.09% | 15.09% | 16.13% | 8.05% | $385.7M |
| Q2 2025 | 15.33% | 15.33% | 16.39% | 8.14% | $386.2M |
| Q3 2025 | 15.67% | 15.67% | 16.74% | 8.21% | $386.7M |
| Q4 2025 | 15.41% | 15.41% | 16.53% | 8.15% | $402.3M |
| Q1 2026 | 15.97% | 15.97% | 17.13% | 8.18% | $400.6M |
| Q2 2026 | 15.76% | 15.76% | 16.65% | 8.18% | $415.0M |
First Option Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Option 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 First Option Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4746) · FFIEC NIC profile (RSSD 285852)