The Old Fort Banking 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 largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 4.6% to -$19.3M. The Old Fort Banking Company ranks 34th of 84 Ohio banks on CET1 ratio, in the upper half at 15.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; The Old Fort Banking Company reported 15.16% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.16% |
| Tier 1 risk-based capital ratio | 15.16% |
| Total risk-based capital ratio | 16.20% |
| Tier 1 leverage ratio | 8.89% |
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 | $76.6M |
| Tier 1 capital | $76.6M |
| Total risk-based capital | $81.8M |
| Total equity capital | $57.3M |
| Risk-weighted assets | $505.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.79% |
| Tangible equity to tangible assets | 6.79% |
| Equity capital to average assets | 6.65% |
| Internal capital growth rate | 8.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $700K |
| Common stock surplus | $700K |
| Retained earnings | $75.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.3M |
| 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 | 14.82% | 14.82% | 15.87% | 7.91% | $466.0M |
| Q4 2023 | 14.77% | 14.77% | 15.79% | 8.02% | $478.0M |
| Q1 2024 | 14.81% | 14.81% | 15.82% | 8.19% | $479.0M |
| Q2 2024 | 14.13% | 14.13% | 15.13% | 8.01% | $487.1M |
| Q3 2024 | 14.40% | 14.40% | 15.37% | 7.97% | $483.1M |
| Q4 2024 | 14.95% | 14.95% | 15.94% | 8.21% | $476.4M |
| Q1 2025 | 15.45% | 15.45% | 16.45% | 8.44% | $474.3M |
| Q2 2025 | 14.98% | 14.98% | 15.96% | 8.44% | $484.6M |
| Q3 2025 | 14.82% | 14.82% | 15.82% | 8.33% | $494.9M |
| Q4 2025 | 14.59% | 14.59% | 15.61% | 8.32% | $503.0M |
| Q1 2026 | 14.95% | 14.95% | 15.98% | 8.73% | $504.1M |
| Q2 2026 | 15.16% | 15.16% | 16.20% | 8.89% | $505.1M |
The Old Fort Banking Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Old Fort Banking 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 The Old Fort Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10255) · FFIEC NIC profile (RSSD 564324)