Oakworth Capital 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%.
Accumulated other comprehensive income climbed 12.3% in Q2 2026, from -$6.8M to -$6.0M. It was the largest change from Q1 2026 among the key lines here. Oakworth Capital Bank has the 3rd lowest CET1 ratio of the 36 banks headquartered in Alabama, at 10.73% as of Q2 2026. Oakworth Capital Bank reported 10.73% on CET1 ratio for Q2 2026, 2.76 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.73% |
| Tier 1 risk-based capital ratio | 10.73% |
| Total risk-based capital ratio | 11.92% |
| Tier 1 leverage ratio | 9.60% |
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 | $199.5M |
| Tier 1 capital | $199.5M |
| Total risk-based capital | $221.5M |
| Total equity capital | $193.6M |
| Risk-weighted assets | $1.86B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.08% |
| Tangible equity to tangible assets | 9.08% |
| Equity capital to average assets | 9.31% |
| Internal capital growth rate | 14.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $18.5M |
| Common stock surplus | $70.3M |
| Retained earnings | $110.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.0M |
| 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 | 10.09% | 10.09% | 11.10% | 9.36% | $1.34B |
| Q4 2023 | 9.72% | 9.72% | 10.73% | 9.31% | $1.46B |
| Q1 2024 | 9.87% | 9.87% | 10.88% | 9.39% | $1.48B |
| Q2 2024 | 9.68% | 9.68% | 10.70% | 9.42% | $1.56B |
| Q3 2024 | 9.67% | 9.67% | 10.69% | 9.31% | $1.62B |
| Q4 2024 | 10.51% | 10.51% | 11.59% | 9.51% | $1.58B |
| Q1 2025 | 10.64% | 10.64% | 11.73% | 9.49% | $1.62B |
| Q2 2025 | 10.90% | 10.90% | 12.06% | 9.73% | $1.63B |
| Q3 2025 | 11.03% | 11.03% | 12.22% | 9.84% | $1.66B |
| Q4 2025 | 10.74% | 10.74% | 11.91% | 9.28% | $1.75B |
| Q1 2026 | 10.61% | 10.61% | 11.79% | 9.50% | $1.81B |
| Q2 2026 | 10.73% | 10.73% | 11.92% | 9.60% | $1.86B |
Oakworth Capital Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Oakworth Capital 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 Oakworth Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58783) · FFIEC NIC profile (RSSD 3720608)