Kirkpatrick 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.73 percentage points to 9.07%. Kirkpatrick Bank ranks 31st of 71 Oklahoma banks on CET1 ratio, in the upper half at 15.28% (Q2 2026). Kirkpatrick Bank reported 15.28% on CET1 ratio for Q2 2026, 1.79 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.28% |
| Tier 1 risk-based capital ratio | 15.28% |
| Total risk-based capital ratio | 16.54% |
| Tier 1 leverage ratio | 10.67% |
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 | $116.0M |
| Tier 1 capital | $116.0M |
| Total risk-based capital | $125.6M |
| Total equity capital | $90.9M |
| Risk-weighted assets | $759.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.07% |
| Tangible equity to tangible assets | 9.04% |
| Equity capital to average assets | 8.35% |
| Internal capital growth rate | 10.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $26.2M |
| Retained earnings | $89.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$25.4M |
| 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 | 15.66% | 15.66% | 16.92% | 11.09% | $731.6M |
| Q4 2023 | 13.51% | 13.51% | 14.77% | 10.11% | $755.6M |
| Q1 2024 | 13.76% | 13.76% | 15.02% | 9.90% | $756.2M |
| Q2 2024 | 13.78% | 13.78% | 15.04% | 10.16% | $769.4M |
| Q3 2024 | 13.29% | 13.29% | 14.55% | 10.50% | $807.5M |
| Q4 2024 | 13.48% | 13.48% | 14.74% | 10.31% | $800.0M |
| Q1 2025 | 13.75% | 13.75% | 15.01% | 10.36% | $791.6M |
| Q2 2025 | 14.51% | 14.51% | 15.77% | 10.64% | $755.5M |
| Q3 2025 | 14.52% | 14.52% | 15.78% | 10.90% | $762.2M |
| Q4 2025 | 13.70% | 13.70% | 14.96% | 10.87% | $822.8M |
| Q1 2026 | 14.27% | 14.27% | 15.53% | 10.09% | $797.4M |
| Q2 2026 | 15.28% | 15.28% | 16.54% | 10.67% | $759.4M |
Kirkpatrick Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Kirkpatrick 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 Kirkpatrick Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20156) · FFIEC NIC profile (RSSD 67151)