Lone Oak Bank, N.A.: 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%.
Tangible equity to tangible assets climbed 0.84 percentage points in Q2 2026, from 14.42% to 15.26%. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.26% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $18.2M |
| Tier 1 capital | $18.2M |
| Total risk-based capital | — |
| Total equity capital | $18.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.79% |
| Tangible equity to tangible assets | 15.26% |
| Equity capital to average assets | 15.76% |
| Internal capital growth rate | 21.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $375K |
| Retained earnings | $18.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$34K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 15.81% | 15.25% | 15.25% |
| Q4 2023 | 15.03% | 15.42% | 15.42% |
| Q1 2024 | 15.58% | 14.97% | 14.97% |
| Q2 2024 | 15.97% | 16.14% | 16.14% |
| Q3 2024 | 16.85% | 16.76% | 16.76% |
| Q4 2024 | 16.02% | 15.92% | 15.92% |
| Q1 2025 | 16.10% | 15.94% | 15.94% |
| Q2 2025 | 15.74% | 15.35% | 14.75% |
| Q3 2025 | 15.53% | 16.31% | 15.71% |
| Q4 2025 | 14.95% | 15.09% | 14.51% |
| Q1 2026 | 14.67% | 14.96% | 14.42% |
| Q2 2026 | 15.26% | 15.79% | 15.26% |
Lone Oak Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lone Oak Bank, N.A., 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 Lone Oak Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3184) · FFIEC NIC profile (RSSD 665258)