Old Plank Trail Community Bank, N.A.: 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%.
Compared with Q1 2026, Retained earnings rose 5.5% in Q2 2026 to $182.1M, the biggest move on this page. Within Illinois, Old Plank Trail Community Bank, N.A. is 177th of 198 on CET1 ratio, 10.81% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Old Plank Trail Community Bank, N.A. sits 2.67 points lower, at 10.81% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.81% |
| Tier 1 risk-based capital ratio | 10.81% |
| Total risk-based capital ratio | 11.46% |
| Tier 1 leverage ratio | 8.82% |
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 | $303.1M |
| Tier 1 capital | $303.1M |
| Total risk-based capital | $321.2M |
| Total equity capital | $294.6M |
| Risk-weighted assets | $2.80B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.34% |
| Tangible equity to tangible assets | 7.93% |
| Equity capital to average assets | 8.53% |
| Internal capital growth rate | 13.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $131.1M |
| Retained earnings | $182.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$23.7M |
| 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 | 11.02% | 11.02% | 11.62% | 8.69% | $2.01B |
| Q4 2023 | 10.73% | 10.73% | 11.34% | 8.95% | $2.12B |
| Q1 2024 | 10.54% | 10.54% | 11.09% | 8.75% | $2.23B |
| Q2 2024 | 10.67% | 10.67% | 11.26% | 8.58% | $2.27B |
| Q3 2024 | 10.60% | 10.60% | 11.26% | 8.76% | $2.34B |
| Q4 2024 | 10.59% | 10.59% | 11.25% | 8.91% | $2.42B |
| Q1 2025 | 10.70% | 10.70% | 11.33% | 9.20% | $2.49B |
| Q2 2025 | 10.72% | 10.72% | 11.33% | 8.92% | $2.57B |
| Q3 2025 | 10.77% | 10.77% | 11.47% | 8.79% | $2.63B |
| Q4 2025 | 11.04% | 11.04% | 11.76% | 9.06% | $2.65B |
| Q1 2026 | 10.93% | 10.93% | 11.56% | 9.06% | $2.68B |
| Q2 2026 | 10.81% | 10.81% | 11.46% | 8.82% | $2.80B |
Old Plank Trail Community Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Old Plank Trail Community Bank, N.A., 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 Plank Trail Community Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58314) · FFIEC NIC profile (RSSD 3404207)