New Omni 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%.
The standout move of Q2 2026 was in Common stock surplus: 8.2% higher than in Q1 2026, at $41.2M. Within California, New Omni Bank, N.A. is 9th of 74 on CET1 ratio, 30.40% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, New Omni Bank, N.A. reported 30.40% on CET1 ratio in Q2 2026, 15.33 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 30.40% |
| Tier 1 risk-based capital ratio | 43.31% |
| Total risk-based capital ratio | 44.57% |
| Tier 1 leverage ratio | 27.11% |
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 | $97.9M |
| Tier 1 capital | $139.5M |
| Total risk-based capital | $143.5M |
| Total equity capital | $139.9M |
| Risk-weighted assets | $322.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 27.01% |
| Tangible equity to tangible assets | 26.91% |
| Equity capital to average assets | 27.16% |
| Internal capital growth rate | -7.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.4M |
| Common stock surplus | $41.2M |
| Retained earnings | $52.9M |
| Preferred stock and surplus | $41.6M |
| Accumulated other comprehensive income | -$253K |
| 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 | 30.40% | 44.82% | 46.08% | 23.65% | $288.3M |
| Q4 2023 | 30.36% | 44.45% | 45.70% | 24.52% | $294.9M |
| Q1 2024 | 29.99% | 43.68% | 44.94% | 24.52% | $303.7M |
| Q2 2024 | 30.19% | 44.33% | 45.58% | 25.51% | $293.9M |
| Q3 2024 | 28.63% | 41.98% | 43.23% | 24.90% | $311.5M |
| Q4 2024 | 28.74% | 41.92% | 43.18% | 24.57% | $315.2M |
| Q1 2025 | 29.60% | 43.06% | 44.32% | 24.99% | $308.9M |
| Q2 2025 | 28.74% | 42.20% | 43.46% | 24.96% | $308.9M |
| Q3 2025 | 26.85% | 39.23% | 40.49% | 25.41% | $335.6M |
| Q4 2025 | 28.05% | 40.88% | 42.14% | 25.24% | $323.9M |
| Q1 2026 | 29.39% | 41.98% | 43.24% | 26.79% | $330.0M |
| Q2 2026 | 30.40% | 43.31% | 44.57% | 27.11% | $322.0M |
New Omni Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock New Omni 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 New Omni Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23086) · FFIEC NIC profile (RSSD 300063)