Latimer State 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.
Equity capital to average assets fell 0.27 percentage points from Q1 2026 to Q2 2026, ending at 24.84% against 25.11%. It was the largest change among the key lines on this page. As of Q2 2026, Latimer State Bank ranks first in Oklahoma on CET1 ratio among 71 banks, at 72.24%. Against a median of 19.96% for banks in the < $100M asset tier, Latimer State Bank reported 72.24% on CET1 ratio in Q2 2026, 52.28 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 72.24% |
| Tier 1 risk-based capital ratio | 72.24% |
| Total risk-based capital ratio | 73.19% |
| Tier 1 leverage ratio | 25.01% |
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 | $16.4M |
| Tier 1 capital | $16.4M |
| Total risk-based capital | $16.6M |
| Total equity capital | $16.3M |
| Risk-weighted assets | $22.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 24.81% |
| Tangible equity to tangible assets | 24.81% |
| Equity capital to average assets | 24.84% |
| Internal capital growth rate | -1.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $370K |
| Common stock surplus | $1.0M |
| Retained earnings | $15.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$107K |
| 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 | 66.24% | 66.24% | 67.16% | 21.96% | $22.7M |
| Q4 2023 | 68.62% | 68.62% | 69.57% | 22.95% | $22.4M |
| Q1 2024 | 68.26% | 68.26% | 69.20% | 22.96% | $22.6M |
| Q2 2024 | 68.29% | 68.29% | 69.23% | 22.73% | $22.5M |
| Q3 2024 | 69.16% | 69.16% | 70.11% | 23.25% | $22.4M |
| Q4 2024 | 68.20% | 68.20% | 69.10% | 24.13% | $23.2M |
| Q1 2025 | 69.31% | 69.31% | 70.25% | 23.71% | $23.0M |
| Q2 2025 | 69.63% | 69.63% | 70.58% | 23.83% | $22.8M |
| Q3 2025 | 71.29% | 71.29% | 72.25% | 24.08% | $22.5M |
| Q4 2025 | 72.39% | 72.39% | 73.34% | 25.17% | $22.6M |
| Q1 2026 | 72.60% | 72.60% | 73.55% | 25.19% | $22.6M |
| Q2 2026 | 72.24% | 72.24% | 73.19% | 25.01% | $22.7M |
Latimer State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Latimer State 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 Latimer State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22839) · FFIEC NIC profile (RSSD 51356)