Oklahoma Bank and Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 33.82% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 33.82% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 40.55% +34.05 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $28.7M | 28,672 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $70.7M | 70,700 | RCOAA223 |
| Recomputed ratio | 40.55% | numerator / denominator | |
| Filed ratio | 40.55% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +34.05 pp | $24.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 40.55% +32.55 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $28.7M | 28,672 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $70.7M | 70,700 | RCOAA223 |
| Recomputed ratio | 40.55% | numerator / denominator | |
| Filed ratio | 40.55% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +32.55 pp | $23.0M | capital that could be lost first |
Total risk-based capital ratio 41.82% +31.82 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $29.6M | 29,567 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $70.7M | 70,700 | RCOAA223 |
| Recomputed ratio | 41.82% | numerator / denominator | |
| Filed ratio | 41.82% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +31.82 pp | $22.5M | capital that could be lost first |
Tier 1 leverage ratio 14.05% +9.05 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $28.7M | 28,672 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $204.1M | 204,061 | RCOAA224 |
| Recomputed ratio | 14.05% | numerator / denominator | |
| Filed ratio | 14.05% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +9.05 pp | $18.5M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | RCOAP742 |
| Retained earnings | 25,672 | 25,299 | 24,921 | 24,888 | 24,708 | 24,364 | RCOAKW00 |
| Accumulated other comprehensive income | (2,434) | (1,929) | (1,671) | (1,861) | (2,620) | (2,786) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 26,238 | 26,370 | 26,250 | 26,027 | 25,088 | 24,578 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,434 | 1,929 | 1,671 | 1,861 | 2,620 | 2,786 | P859 - P840 |
| Common equity Tier 1 capital | 28,672 | 28,299 | 27,921 | 27,888 | 27,708 | 27,364 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 28,672 | 28,299 | 27,921 | 27,888 | 27,708 | 27,364 | RCOA8274 |
| Tier 2 capital | 895 | 926 | 945 | 906 | 912 | 938 | RCOA5311 |
| Allowance includable in Tier 2 capital | 895 | 926 | 945 | 906 | 912 | 938 | RCOA5310 |
| Total capital | 29,567 | 29,225 | 28,866 | 28,794 | 28,620 | 28,302 | RCOA3792 |
| Total risk-weighted assets | 70,700 | 73,272 | 74,828 | 71,570 | 72,116 | 74,199 | RCOAA223 |
| Average total assets for the leverage ratio | 204,061 | 198,297 | 190,193 | 191,545 | 196,384 | 193,500 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $7.6M | $466K | 6.10% | 0.65% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $126.4M | $10.1M | 7.99% | 14.09% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $18.1M | $9.1M | 50.14% | 12.67% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $375K | $375K | 100.00% | 0.52% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $51.1M | $43.6M | 85.26% | 60.83% | RC-R Part II, item 4.d, 5.d |
| All other assets | $2.6M | $1.7M | 64.23% | 2.31% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $5.1M | $4.9M | 96.47% | 6.90% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1.5M | NA | 2.03% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $70.2M | does not tie to item 31 ($71.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $71.6M | RCONB704 |
| Less: excess allowance for credit losses | $909K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $70.7M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 40.55% | 40.55% | 41.82% | 14.05% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 38.62% | 38.62% | 39.89% | 14.27% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 37.31% | 37.31% | 38.58% | 14.68% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 38.97% | 38.97% | 40.23% | 14.56% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 38.42% | 38.42% | 39.69% | 14.11% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 36.88% | 36.88% | 38.14% | 14.14% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 37.85% | 37.85% | 39.12% | 14.53% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 37.26% | 37.26% | 38.52% | 14.40% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 35.51% | 35.51% | 36.77% | 14.30% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 38.05% | 38.05% | 39.31% | 13.92% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 33.53% | 33.53% | 34.79% | 14.36% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 34.99% | 34.99% | 36.25% | 13.89% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Oklahoma Bank and Trust Company (this bank) | Risk-based | 40.55% | 40.55% | 41.82% | 14.05% | |
| Lone Star Bank | $202.3M | CBLR | NA | NA | NA | 12.65% |
| Verus Bank of Commerce | $202.4M | CBLR | NA | NA | NA | 18.46% |
| Bank 21 | $202.1M | Risk-based | 12.58% | 12.58% | 13.83% | 11.51% |
| Central Bank and Trust | $202.5M | Risk-based | 17.17% | 17.17% | 17.97% | 8.56% |
| Buffalo Federal Bank | $202.6M | CBLR | NA | NA | NA | 10.38% |
| Mountain Valley Bank, N.A. | $201.9M | CBLR | NA | NA | NA | 13.65% |
| First Community Bank and Trust | $201.7M | CBLR | NA | NA | NA | 13.47% |
| Iowa Falls State Bank | $201.5M | Risk-based | 12.37% | 12.37% | 13.19% | 8.64% |
| Minden Exchange Bank & Trust Company | $201.4M | CBLR | NA | NA | NA | 19.84% |
| The Citizens Bank of Cochran | $201.4M | Risk-based | 21.00% | 21.00% | 22.26% | 14.76% |
| Peer 25th percentile | 12.53% | 12.53% | 13.67% | 10.66% | ||
| Peer median | 14.88% | 14.88% | 15.90% | 13.06% | ||
| Peer 75th percentile | 18.13% | 18.13% | 19.05% | 14.48% | ||
| This bank's percentile | 100 | 100 | 100 | 70 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/159953/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.