Ohnward Bank & Trust: 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%.
In Q2 2026, Retained earnings edged up by 2.3%, from $55.7M to $57.0M, the largest move among the key lines here.
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 | 12.58% |
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 | $62.6M |
| Tier 1 capital | $62.6M |
| Total risk-based capital | — |
| Total equity capital | $60.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.14% |
| Tangible equity to tangible assets | 11.87% |
| Equity capital to average assets | 12.13% |
| Internal capital growth rate | 8.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $7.0M |
| Retained earnings | $57.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.5M |
| 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 | 14.33% | 14.33% | 15.35% | 13.25% | $353.6M |
| Q4 2023 | 13.99% | 13.99% | 14.98% | 12.86% | $367.1M |
| Q1 2024 | 14.24% | 14.24% | 15.25% | 12.88% | $367.7M |
| Q2 2024 | 14.09% | 14.09% | 15.10% | 12.94% | $375.6M |
| Q3 2024 | 14.37% | 14.37% | 15.38% | 12.74% | $376.4M |
| Q4 2024 | — | — | — | 12.43% | — |
| Q1 2025 | — | — | — | 12.72% | — |
| Q2 2025 | — | — | — | 12.73% | — |
| Q3 2025 | — | — | — | 12.67% | — |
| Q4 2025 | — | — | — | 12.42% | — |
| Q1 2026 | — | — | — | 12.65% | — |
| Q2 2026 | — | — | — | 12.58% | — |
Ohnward Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ohnward Bank & Trust, 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 Ohnward Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10111) · FFIEC NIC profile (RSSD 761543)