Oklahoma State 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%.
Retained earnings rose 6.0% from Q1 2026 to Q2 2026, ending at $5.0M against $4.7M. It was the largest change among the key lines on this page. Oklahoma State Bank ranks 35th of 71 Oklahoma banks on CET1 ratio, in the upper half at 14.51% (Q2 2026). Oklahoma State Bank reported 14.51% on CET1 ratio for Q2 2026, 5.46 points below the 19.96% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.51% |
| Tier 1 risk-based capital ratio | 14.51% |
| Total risk-based capital ratio | 15.28% |
| Tier 1 leverage ratio | 10.36% |
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 | $7.0M |
| Tier 1 capital | $7.0M |
| Total risk-based capital | $7.4M |
| Total equity capital | $7.0M |
| Risk-weighted assets | $48.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.53% |
| Tangible equity to tangible assets | 10.53% |
| Equity capital to average assets | 10.36% |
| Internal capital growth rate | 16.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $1.0M |
| Retained earnings | $5.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 18.15% | 18.15% | 19.12% | 11.59% | $37.2M |
| Q4 2023 | 15.12% | 15.12% | 16.02% | 10.56% | $40.6M |
| Q1 2024 | 14.57% | 14.57% | 15.41% | 10.70% | $43.9M |
| Q2 2024 | 15.68% | 15.68% | 16.56% | 11.05% | $42.6M |
| Q3 2024 | 16.56% | 16.56% | 17.44% | 11.65% | $42.5M |
| Q4 2024 | 13.56% | 13.56% | 14.37% | 10.64% | $46.5M |
| Q1 2025 | 14.35% | 14.35% | 15.19% | 10.67% | $45.8M |
| Q2 2025 | 16.61% | 16.61% | 17.57% | 10.46% | $41.6M |
| Q3 2025 | 16.04% | 16.04% | 16.93% | 11.02% | $44.8M |
| Q4 2025 | 12.87% | 12.87% | 13.66% | 10.13% | $50.3M |
| Q1 2026 | 14.07% | 14.07% | 14.86% | 10.17% | $47.9M |
| Q2 2026 | 14.51% | 14.51% | 15.28% | 10.36% | $48.4M |
Oklahoma State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Oklahoma State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13416) · FFIEC NIC profile (RSSD 324256)