Local 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 Risk-weighted assets, which rose 5.1% to $370.0M. Within Oklahoma, Local Bank is 50th of 71 on CET1 ratio, 13.13% as of Q2 2026. Local Bank reported 13.13% on CET1 ratio for Q2 2026, 1.96 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.13% |
| Tier 1 risk-based capital ratio | 13.13% |
| Total risk-based capital ratio | 13.75% |
| Tier 1 leverage ratio | 11.35% |
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 | $48.6M |
| Tier 1 capital | $48.6M |
| Total risk-based capital | $50.9M |
| Total equity capital | $47.0M |
| Risk-weighted assets | $370.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.15% |
| Tangible equity to tangible assets | 10.15% |
| Equity capital to average assets | 10.99% |
| Internal capital growth rate | 0.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $40.6M |
| Retained earnings | $7.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 20.64% | 20.64% | 21.47% | 15.23% | $236.4M |
| Q4 2023 | 19.97% | 19.97% | 20.81% | 14.33% | $241.4M |
| Q1 2024 | 18.25% | 18.25% | 19.04% | 13.82% | $264.3M |
| Q2 2024 | 17.24% | 17.24% | 18.02% | 13.16% | $280.4M |
| Q3 2024 | 16.50% | 16.50% | 17.26% | 12.94% | $294.9M |
| Q4 2024 | 15.63% | 15.63% | 16.35% | 12.77% | $310.2M |
| Q1 2025 | 15.51% | 15.51% | 16.23% | 12.51% | $312.2M |
| Q2 2025 | 15.18% | 15.18% | 15.90% | 12.49% | $321.0M |
| Q3 2025 | 14.76% | 14.76% | 15.47% | 12.21% | $330.0M |
| Q4 2025 | 14.25% | 14.25% | 14.89% | 11.74% | $340.6M |
| Q1 2026 | 13.79% | 13.79% | 14.41% | 11.48% | $352.1M |
| Q2 2026 | 13.13% | 13.13% | 13.75% | 11.35% | $370.0M |
Local Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Local 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 Local Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2327) · FFIEC NIC profile (RSSD 815754)