Frazer 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%.
Equity capital to total assets rose 0.35 percentage points from Q1 2026 to Q2 2026, ending at 10.25% against 9.90%. It was the largest change among the key lines on this page. Frazer Bank ranks 24th of 71 Oklahoma banks on CET1 ratio, in the upper half at 17.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Frazer Bank sits 1.98 points higher, at 17.05% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.05% |
| Tier 1 risk-based capital ratio | 17.05% |
| Total risk-based capital ratio | 18.30% |
| Tier 1 leverage ratio | 11.21% |
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 | $40.5M |
| Tier 1 capital | $40.5M |
| Total risk-based capital | $43.4M |
| Total equity capital | $36.3M |
| Risk-weighted assets | $237.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.25% |
| Tangible equity to tangible assets | 10.25% |
| Equity capital to average assets | 10.06% |
| Internal capital growth rate | 1.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $9.4M |
| Retained earnings | $30.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.2M |
| 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 | 11.68% | 11.68% | 12.57% | 10.20% | $335.2M |
| Q4 2023 | 12.41% | 12.41% | 13.40% | 10.14% | $310.8M |
| Q1 2024 | 12.68% | 12.68% | 13.73% | 10.00% | $305.7M |
| Q2 2024 | 13.00% | 13.00% | 14.09% | 10.59% | $298.8M |
| Q3 2024 | 13.40% | 13.40% | 14.40% | 10.85% | $290.7M |
| Q4 2024 | 14.64% | 14.64% | 15.70% | 11.21% | $271.6M |
| Q1 2025 | 15.47% | 15.47% | 16.59% | 11.28% | $259.0M |
| Q2 2025 | 16.08% | 16.08% | 17.24% | 11.79% | $252.3M |
| Q3 2025 | 16.92% | 16.92% | 18.15% | 11.97% | $237.8M |
| Q4 2025 | 17.48% | 17.48% | 18.76% | 12.02% | $228.6M |
| Q1 2026 | 17.36% | 17.36% | 18.61% | 11.35% | $232.3M |
| Q2 2026 | 17.05% | 17.05% | 18.30% | 11.21% | $237.3M |
Frazer Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Frazer 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 Frazer Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4031) · FFIEC NIC profile (RSSD 245351)