Oklahoma 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%.
The standout move of Q2 2026 was in Retained earnings: 15.7% higher than in Q1 2026, at $4.5M.
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 | 10.39% |
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 | $18.7M |
| Tier 1 capital | $18.7M |
| Total risk-based capital | — |
| Total equity capital | $24.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.62% |
| Tangible equity to tangible assets | 9.84% |
| Equity capital to average assets | 13.30% |
| Internal capital growth rate | 10.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $120K |
| Common stock surplus | $20.2M |
| Retained earnings | $4.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1K |
| 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 | 13.08% | 16.99% | 13.19% |
| Q4 2023 | 12.34% | 16.38% | 12.56% |
| Q1 2024 | 12.20% | 15.13% | 11.60% |
| Q2 2024 | 12.34% | 16.25% | 12.59% |
| Q3 2024 | 12.70% | 16.47% | 12.87% |
| Q4 2024 | 11.76% | 16.16% | 12.45% |
| Q1 2025 | 12.58% | 15.21% | 11.78% |
| Q2 2025 | 12.02% | 14.96% | 11.64% |
| Q3 2025 | 11.92% | 14.72% | 11.52% |
| Q4 2025 | 10.57% | 13.40% | 10.31% |
| Q1 2026 | 10.31% | 13.29% | 10.30% |
| Q2 2026 | 10.39% | 12.62% | 9.84% |
Oklahoma Capital Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Oklahoma 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 Oklahoma Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18856) · FFIEC NIC profile (RSSD 284154)