OMB 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.
Retained earnings rose 6.7% from Q1 2026 to Q2 2026, ending at $125.2M against $117.3M. It was the largest change among the key lines on this page. On CET1 ratio, OMB Bank is 5th from the bottom among 97 Missouri banks, 9.88% (Q2 2026). OMB Bank reported 9.88% on CET1 ratio for Q2 2026, 3.62 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.88% |
| Tier 1 risk-based capital ratio | 9.88% |
| Total risk-based capital ratio | 11.13% |
| Tier 1 leverage ratio | 9.16% |
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 | $206.2M |
| Tier 1 capital | $206.2M |
| Total risk-based capital | $232.3M |
| Total equity capital | $208.1M |
| Risk-weighted assets | $2.09B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.82% |
| Tangible equity to tangible assets | 8.74% |
| Equity capital to average assets | 9.24% |
| Internal capital growth rate | 15.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $83.1M |
| Retained earnings | $125.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$216K |
| 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 | 9.89% | 9.89% | 11.10% | 9.03% | $1.23B |
| Q4 2023 | 9.49% | 9.49% | 10.70% | 8.60% | $1.32B |
| Q1 2024 | 9.56% | 9.56% | 10.81% | 8.69% | $1.36B |
| Q2 2024 | 9.61% | 9.61% | 10.86% | 8.95% | $1.43B |
| Q3 2024 | 9.62% | 9.62% | 10.87% | 8.85% | $1.48B |
| Q4 2024 | 9.38% | 9.38% | 10.63% | 8.89% | $1.58B |
| Q1 2025 | 9.47% | 9.47% | 10.73% | 8.82% | $1.66B |
| Q2 2025 | 9.61% | 9.61% | 10.86% | 8.72% | $1.74B |
| Q3 2025 | 9.76% | 9.76% | 11.02% | 8.81% | $1.81B |
| Q4 2025 | 10.03% | 10.03% | 11.29% | 9.07% | $1.85B |
| Q1 2026 | 9.92% | 9.92% | 11.17% | 9.08% | $1.96B |
| Q2 2026 | 9.88% | 9.88% | 11.13% | 9.16% | $2.09B |
OMB Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock OMB 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 OMB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8252) · FFIEC NIC profile (RSSD 2785646)