Grand 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 12.5% higher than in Q1 2026, at -$6.8M. Grand Bank ranks 57th of 71 Oklahoma banks on CET1 ratio, in the lower half at 12.56% (Q2 2026). Grand Bank reported 12.56% on CET1 ratio for Q2 2026, 2.51 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.56% |
| Tier 1 risk-based capital ratio | 12.56% |
| Total risk-based capital ratio | 13.81% |
| Tier 1 leverage ratio | 10.33% |
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 | $72.9M |
| Tier 1 capital | $72.9M |
| Total risk-based capital | $80.2M |
| Total equity capital | $66.2M |
| Risk-weighted assets | $580.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.28% |
| Tangible equity to tangible assets | 9.28% |
| Equity capital to average assets | 9.37% |
| Internal capital growth rate | 1.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $15.5M |
| Retained earnings | $56.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.8M |
| 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 | 12.35% | 12.35% | 13.60% | 10.36% | $488.5M |
| Q4 2023 | 12.57% | 12.57% | 13.83% | 10.41% | $486.6M |
| Q1 2024 | 12.98% | 12.98% | 14.23% | 10.52% | $482.2M |
| Q2 2024 | 12.47% | 12.47% | 13.73% | 10.49% | $506.3M |
| Q3 2024 | 12.37% | 12.37% | 13.63% | 10.23% | $523.4M |
| Q4 2024 | 12.43% | 12.43% | 13.69% | 10.20% | $528.9M |
| Q1 2025 | 12.75% | 12.75% | 14.00% | 10.27% | $524.7M |
| Q2 2025 | 13.00% | 13.00% | 14.26% | 10.40% | $529.1M |
| Q3 2025 | 12.70% | 12.70% | 13.95% | 10.27% | $552.4M |
| Q4 2025 | 12.60% | 12.60% | 13.86% | 10.42% | $557.9M |
| Q1 2026 | 12.91% | 12.91% | 14.17% | 10.81% | $563.3M |
| Q2 2026 | 12.56% | 12.56% | 13.81% | 10.33% | $580.8M |
Grand Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand 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 Grand Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22065) · FFIEC NIC profile (RSSD 76854)