NBKC 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%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 3.1% to $967.5M. NBKC Bank ranks 16th of 86 Kansas banks on CET1 ratio, in the upper half at 22.05% (Q2 2026). NBKC Bank's CET1 ratio of 22.05% is well above the 13.49% median for banks in the $1B-10B asset tier, a gap of 8.55 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.05% |
| Tier 1 risk-based capital ratio | 22.05% |
| Total risk-based capital ratio | 23.30% |
| Tier 1 leverage ratio | 17.13% |
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 | $213.3M |
| Tier 1 capital | $213.3M |
| Total risk-based capital | $225.4M |
| Total equity capital | $209.0M |
| Risk-weighted assets | $967.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.84% |
| Tangible equity to tangible assets | 16.84% |
| Equity capital to average assets | 16.79% |
| Internal capital growth rate | 6.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.5M |
| Common stock surplus | $43.8M |
| Retained earnings | $166.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.3M |
| 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 | 26.25% | 26.25% | 27.50% | 17.59% | $763.2M |
| Q4 2023 | 25.46% | 25.46% | 26.71% | 17.99% | $774.4M |
| Q1 2024 | 24.74% | 24.74% | 25.99% | 17.65% | $807.1M |
| Q2 2024 | 23.85% | 23.85% | 25.10% | 17.76% | $836.3M |
| Q3 2024 | 24.07% | 24.07% | 25.33% | 18.78% | $861.0M |
| Q4 2024 | 22.47% | 22.47% | 23.72% | 16.51% | $826.1M |
| Q1 2025 | 22.77% | 22.77% | 24.03% | 17.20% | $834.4M |
| Q2 2025 | 23.39% | 23.39% | 24.65% | 17.54% | $852.5M |
| Q3 2025 | 23.15% | 23.15% | 24.40% | 17.91% | $878.3M |
| Q4 2025 | 22.30% | 22.30% | 23.55% | 16.70% | $921.6M |
| Q1 2026 | 22.35% | 22.35% | 23.61% | 17.35% | $938.8M |
| Q2 2026 | 22.05% | 22.05% | 23.30% | 17.13% | $967.5M |
NBKC Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock NBKC 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 NBKC Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35014) · FFIEC NIC profile (RSSD 2747587)