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The Old Exchange National Bank of Okawville: 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%.

Accumulated other comprehensive income dropped 8.7% in Q2 2026, from -$2.6M to -$2.8M. It was the largest change from Q1 2026 among the key lines here. The Old Exchange National Bank of Okawville ranks 36th of 198 Illinois banks on CET1 ratio, in the upper half at 22.27% (Q2 2026). The Old Exchange National Bank of Okawville reported 22.27% on CET1 ratio for Q2 2026, 2.71 points above the 19.57% median for banks in the < $100M asset tier.

Risk-based capital ratios

Risk-based capital ratios for The Old Exchange National Bank of Okawville, Q2 2026
Line item Q2 2026
Common equity Tier 1 ratio 22.27%
Tier 1 risk-based capital ratio 22.27%
Total risk-based capital ratio 23.15%
Tier 1 leverage ratio 11.13%

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

Capital amounts for The Old Exchange National Bank of Okawville, Q2 2026
Line item Q2 2026
Common equity Tier 1 capital $10.5M
Tier 1 capital $10.5M
Total risk-based capital $10.9M
Total equity capital $7.7M
Risk-weighted assets $47.2M

Capital adequacy

Capital adequacy for The Old Exchange National Bank of Okawville, Q2 2026
Line item Q2 2026
Equity capital to total assets 8.47%
Tangible equity to tangible assets 8.47%
Equity capital to average assets 8.19%
Internal capital growth rate 1.36%

Capital structure

Capital structure for The Old Exchange National Bank of Okawville, Q2 2026
Line item Q2 2026
Common stock $100K
Common stock surplus $2.2M
Retained earnings $8.2M
Preferred stock and surplus $0
Accumulated other comprehensive income -$2.8M
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 ratios
Risk-weighted assets
Equity to assets

Regulatory Capital by quarter

Values plotted above, The Old Exchange National Bank of Okawville, oldest first
Quarter CET1Tier 1 RBCTotal RBCTier 1 leverageRisk-weighted assets
Q3 2023 23.74% 23.74% 24.82% 11.69% $39.1M
Q4 2023 21.72% 21.72% 22.68% 11.67% $43.5M
Q1 2024 23.31% 23.31% 24.32% 11.86% $41.4M
Q2 2024 22.67% 22.67% 23.66% 12.02% $42.1M
Q3 2024 21.40% 21.40% 22.33% 11.27% $44.9M
Q4 2024 21.10% 21.10% 22.00% 11.18% $46.5M
Q1 2025 21.99% 21.99% 22.93% 11.32% $45.4M
Q2 2025 22.59% 22.59% 23.56% 11.39% $44.1M
Q3 2025 22.28% 22.28% 23.23% 11.55% $44.8M
Q4 2025 20.51% 20.51% 21.36% 11.17% $49.8M
Q1 2026 22.21% 22.21% 23.12% 11.16% $47.3M
Q2 2026 22.27% 22.27% 23.15% 11.13% $47.2M

The Old Exchange National Bank of Okawville regulatory capital, all the way back

Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export

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Source: 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 The Old Exchange National Bank of Okawville profile, peer group comparison, or how this data updates.

Regulator records: FDIC BankFind (cert 3827) · FFIEC NIC profile (RSSD 411240)