Nebraska Bank of Commerce: 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%.
Common equity tier 1 capital rose 3.5% from Q1 2026 to Q2 2026, ending at $23.1M against $22.3M. It was the largest change among the key lines on this page. Within Nebraska, Nebraska Bank of Commerce is 48th of 57 on CET1 ratio, 11.86% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Nebraska Bank of Commerce sits 3.21 points lower, at 11.86% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.86% |
| Tier 1 risk-based capital ratio | 11.86% |
| Total risk-based capital ratio | 13.12% |
| Tier 1 leverage ratio | 9.56% |
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 | $23.1M |
| Tier 1 capital | $23.1M |
| Total risk-based capital | $25.5M |
| Total equity capital | $23.2M |
| Risk-weighted assets | $194.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.62% |
| Tangible equity to tangible assets | 9.62% |
| Equity capital to average assets | 9.61% |
| Internal capital growth rate | 13.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $659K |
| Common stock surplus | $20.7M |
| Retained earnings | $1.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $141K |
| 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 | 12.03% | 12.03% | 13.28% | 10.64% | $156.3M |
| Q4 2023 | 11.95% | 11.95% | 13.20% | 10.50% | $160.1M |
| Q1 2024 | 12.36% | 12.36% | 13.61% | 10.37% | $156.6M |
| Q2 2024 | 12.44% | 12.44% | 13.69% | 10.46% | $157.9M |
| Q3 2024 | 12.63% | 12.63% | 13.88% | 10.48% | $157.7M |
| Q4 2024 | 12.66% | 12.66% | 13.91% | 10.32% | $159.7M |
| Q1 2025 | 12.72% | 12.72% | 13.97% | 10.33% | $161.8M |
| Q2 2025 | 12.61% | 12.61% | 13.86% | 10.28% | $166.3M |
| Q3 2025 | 12.05% | 12.05% | 13.31% | 9.95% | $177.4M |
| Q4 2025 | 11.82% | 11.82% | 13.07% | 9.67% | $184.5M |
| Q1 2026 | 11.51% | 11.51% | 12.76% | 9.51% | $193.6M |
| Q2 2026 | 11.86% | 11.86% | 13.12% | 9.56% | $194.4M |
Nebraska Bank of Commerce regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Nebraska Bank of Commerce, 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 Nebraska Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58724) · FFIEC NIC profile (RSSD 3614846)