Lead 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.
Risk-weighted assets climbed 16.0% in Q2 2026, from $846.4M to $981.7M. It was the largest change from Q1 2026 among the key lines here. Lead Bank ranks 13th of 97 Missouri banks on CET1 ratio, in the upper half at 20.33% (Q2 2026). Lead Bank's CET1 ratio of 20.33% is well above the 13.49% median for banks in the $1B-10B asset tier, a gap of 6.84 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.33% |
| Tier 1 risk-based capital ratio | 20.33% |
| Total risk-based capital ratio | 21.60% |
| Tier 1 leverage ratio | 7.40% |
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 | $199.6M |
| Tier 1 capital | $199.6M |
| Total risk-based capital | $212.0M |
| Total equity capital | $244.1M |
| Risk-weighted assets | $981.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.84% |
| Tangible equity to tangible assets | 7.26% |
| Equity capital to average assets | 8.89% |
| Internal capital growth rate | 18.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $60K |
| Common stock surplus | $159.7M |
| Retained earnings | $87.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.2M |
| 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 | 22.77% | 22.77% | 23.60% | 9.77% | $396.6M |
| Q4 2023 | 24.44% | 24.44% | 25.61% | 10.01% | $387.0M |
| Q1 2024 | 26.90% | 26.90% | 28.15% | 9.93% | $363.4M |
| Q2 2024 | 26.31% | 26.31% | 27.56% | 9.56% | $385.5M |
| Q3 2024 | 27.92% | 27.92% | 29.18% | 9.75% | $380.7M |
| Q4 2024 | 24.25% | 24.25% | 25.39% | 8.44% | $500.6M |
| Q1 2025 | 26.27% | 26.27% | 27.52% | 7.71% | $482.4M |
| Q2 2025 | 26.76% | 26.76% | 28.02% | 7.30% | $497.4M |
| Q3 2025 | 32.13% | 32.13% | 33.38% | 8.54% | $533.1M |
| Q4 2025 | 23.55% | 23.55% | 24.81% | 7.84% | $762.3M |
| Q1 2026 | 22.41% | 22.41% | 23.66% | 7.55% | $846.4M |
| Q2 2026 | 20.33% | 20.33% | 21.60% | 7.40% | $981.7M |
Lead Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lead 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 Lead Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8283) · FFIEC NIC profile (RSSD 893855)