Oklahoma Bank and Trust 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: 26.2% lower than in Q1 2026, at -$2.4M. Among 71 Oklahoma banks, Oklahoma Bank and Trust Company sits 3rd from the top on CET1 ratio, 40.55% as of Q2 2026. Oklahoma Bank and Trust Company's CET1 ratio of 40.55% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 25.48 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 40.55% |
| Tier 1 risk-based capital ratio | 40.55% |
| Total risk-based capital ratio | 41.82% |
| Tier 1 leverage ratio | 14.05% |
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 | $28.7M |
| Tier 1 capital | $28.7M |
| Total risk-based capital | $29.6M |
| Total equity capital | $26.2M |
| Risk-weighted assets | $70.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.97% |
| Tangible equity to tangible assets | 12.97% |
| Equity capital to average assets | 12.86% |
| Internal capital growth rate | 5.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $1.8M |
| Retained earnings | $25.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| 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 | 34.99% | 34.99% | 36.25% | 13.89% | $74.5M |
| Q4 2023 | 33.53% | 33.53% | 34.79% | 14.36% | $78.4M |
| Q1 2024 | 38.05% | 38.05% | 39.31% | 13.92% | $69.9M |
| Q2 2024 | 35.51% | 35.51% | 36.77% | 14.30% | $75.6M |
| Q3 2024 | 37.26% | 37.26% | 38.52% | 14.40% | $72.5M |
| Q4 2024 | 37.85% | 37.85% | 39.12% | 14.53% | $71.5M |
| Q1 2025 | 36.88% | 36.88% | 38.14% | 14.14% | $74.2M |
| Q2 2025 | 38.42% | 38.42% | 39.69% | 14.11% | $72.1M |
| Q3 2025 | 38.97% | 38.97% | 40.23% | 14.56% | $71.6M |
| Q4 2025 | 37.31% | 37.31% | 38.58% | 14.68% | $74.8M |
| Q1 2026 | 38.62% | 38.62% | 39.89% | 14.27% | $73.3M |
| Q2 2026 | 40.55% | 40.55% | 41.82% | 14.05% | $70.7M |
Oklahoma Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Oklahoma Bank and Trust 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 Oklahoma Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4067) · FFIEC NIC profile (RSSD 159953)