OakStar 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.
The standout move of Q2 2026 was in Retained earnings: 7.9% higher than in Q1 2026, at $164.0M.
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 | 9.79% |
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 | $311.3M |
| Tier 1 capital | $311.3M |
| Total risk-based capital | — |
| Total equity capital | $327.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.95% |
| Tangible equity to tangible assets | 9.41% |
| Equity capital to average assets | 10.22% |
| Internal capital growth rate | 15.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $162.4M |
| Retained earnings | $164.0M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.21% | 9.23% | 8.81% |
| Q4 2023 | 9.19% | 9.15% | 8.74% |
| Q1 2024 | 9.06% | 8.96% | 8.57% |
| Q2 2024 | 9.03% | 9.97% | 9.29% |
| Q3 2024 | 9.55% | 9.89% | 9.24% |
| Q4 2024 | 9.60% | 10.06% | 9.41% |
| Q1 2025 | 9.64% | 10.11% | 9.48% |
| Q2 2025 | 9.70% | 10.02% | 9.41% |
| Q3 2025 | 9.78% | 10.39% | 9.78% |
| Q4 2025 | 9.77% | 10.35% | 9.76% |
| Q1 2026 | 9.76% | 10.06% | 9.49% |
| Q2 2026 | 9.79% | 9.95% | 9.41% |
OakStar Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock OakStar 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 OakStar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58115) · FFIEC NIC profile (RSSD 3374412)