Old Glory 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Total equity capital: 22.9% lower than in Q1 2026, at $6.8M. On CET1 ratio, Old Glory Bank is 7th from the bottom among 71 Oklahoma banks, 11.19% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Old Glory Bank sits 3.90 points lower, at 11.19% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.19% |
| Tier 1 risk-based capital ratio | 11.19% |
| Total risk-based capital ratio | 11.57% |
| Tier 1 leverage ratio | 2.69% |
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 | $7.5M |
| Tier 1 capital | $7.5M |
| Total risk-based capital | $7.7M |
| Total equity capital | $6.8M |
| Risk-weighted assets | $66.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 2.45% |
| Tangible equity to tangible assets | 2.42% |
| Equity capital to average assets | 2.44% |
| Internal capital growth rate | -162.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $56.0M |
| Retained earnings | -$48.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$774K |
| 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 | 55.22% | 55.22% | 55.31% | 11.82% | $13.6M |
| Q4 2023 | 92.95% | 92.95% | 93.17% | 10.85% | $10.8M |
| Q1 2024 | 75.02% | 75.02% | 75.26% | 9.21% | $12.6M |
| Q2 2024 | 84.87% | 84.87% | 85.13% | 7.78% | $11.8M |
| Q3 2024 | 84.16% | 84.16% | 84.48% | 7.12% | $12.5M |
| Q4 2024 | 61.03% | 61.03% | 61.28% | 5.80% | $16.4M |
| Q1 2025 | 50.23% | 50.23% | 50.72% | 5.90% | $22.2M |
| Q2 2025 | 27.08% | 27.08% | 27.61% | 4.60% | $36.0M |
| Q3 2025 | 19.22% | 19.22% | 19.54% | 4.43% | $53.3M |
| Q4 2025 | 18.34% | 18.34% | 18.76% | 4.17% | $54.6M |
| Q1 2026 | 14.02% | 14.02% | 14.59% | 3.42% | $65.2M |
| Q2 2026 | 11.19% | 11.19% | 11.57% | 2.69% | $66.8M |
Old Glory Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Old Glory 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 Old Glory Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18924) · FFIEC NIC profile (RSSD 116554)