O'Bannon Banking Company: 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 Accumulated other comprehensive income: 9.9% higher than in Q1 2026, at -$1.7M.
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 | 9.36% |
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 | $31.3M |
| Tier 1 capital | $31.3M |
| Total risk-based capital | — |
| Total equity capital | $29.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.89% |
| Tangible equity to tangible assets | 8.89% |
| Equity capital to average assets | 8.84% |
| Internal capital growth rate | 15.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $836K |
| Retained earnings | $30.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.7M |
| 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 | 9.25% | 7.55% | 7.55% |
| Q4 2023 | 9.33% | 8.15% | 8.15% |
| Q1 2024 | 9.18% | 8.05% | 8.05% |
| Q2 2024 | 9.34% | 8.02% | 8.02% |
| Q3 2024 | 9.18% | 8.41% | 8.41% |
| Q4 2024 | 9.48% | 8.36% | 8.36% |
| Q1 2025 | 9.13% | 8.11% | 8.11% |
| Q2 2025 | 9.33% | 8.51% | 8.51% |
| Q3 2025 | 9.32% | 8.69% | 8.69% |
| Q4 2025 | 9.37% | 8.84% | 8.84% |
| Q1 2026 | 9.05% | 8.48% | 8.48% |
| Q2 2026 | 9.36% | 8.89% | 8.89% |
O'Bannon Banking Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock O'Bannon Banking Company, 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 O'Bannon Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8295) · FFIEC NIC profile (RSSD 955940)