Oak 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.
Compared with Q1 2026, Risk-weighted assets rose 6.3% in Q2 2026 to $371.3M, the biggest move on this page. Within Wisconsin, Oak Bank is 28th of 85 on CET1 ratio, 15.32% as of Q2 2026. At 15.32%, Oak Bank's CET1 ratio is close to the 15.08% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.32% |
| Tier 1 risk-based capital ratio | 15.32% |
| Total risk-based capital ratio | 16.58% |
| Tier 1 leverage ratio | 12.28% |
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 | $56.9M |
| Tier 1 capital | $56.9M |
| Total risk-based capital | $61.6M |
| Total equity capital | $52.7M |
| Risk-weighted assets | $371.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.83% |
| Tangible equity to tangible assets | 10.83% |
| Equity capital to average assets | 11.37% |
| Internal capital growth rate | 12.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $9.6M |
| Retained earnings | $45.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.2M |
| 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 | 13.89% | 13.89% | 15.14% | 10.96% | $360.0M |
| Q4 2023 | 13.67% | 13.67% | 14.92% | 10.71% | $369.2M |
| Q1 2024 | 13.40% | 13.40% | 14.65% | 10.72% | $378.2M |
| Q2 2024 | 13.70% | 13.70% | 14.96% | 10.97% | $378.3M |
| Q3 2024 | 14.15% | 14.15% | 15.40% | 11.03% | $375.8M |
| Q4 2024 | 14.26% | 14.26% | 15.52% | 10.83% | $369.1M |
| Q1 2025 | 14.63% | 14.63% | 15.88% | 11.23% | $361.6M |
| Q2 2025 | 14.75% | 14.75% | 16.00% | 11.64% | $368.1M |
| Q3 2025 | 14.92% | 14.92% | 16.18% | 11.34% | $360.4M |
| Q4 2025 | 15.38% | 15.38% | 16.63% | 11.33% | $356.7M |
| Q1 2026 | 15.84% | 15.84% | 17.10% | 12.00% | $349.2M |
| Q2 2026 | 15.32% | 15.32% | 16.58% | 12.28% | $371.3M |
Oak Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Oak 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 Oak Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35333) · FFIEC NIC profile (RSSD 2857600)