One American 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%.
The standout move of Q2 2026 was in Retained earnings: 114.3% lower than in Q1 2026, at -$9.2M. One American Bank ranks 14th of 36 South Dakota banks on CET1 ratio, in the upper half at 19.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. One American Bank sits 4.35 points higher, at 19.42% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.42% |
| Tier 1 risk-based capital ratio | 19.42% |
| Total risk-based capital ratio | 20.69% |
| Tier 1 leverage ratio | 8.35% |
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 | $29.5M |
| Tier 1 capital | $29.5M |
| Total risk-based capital | $31.4M |
| Total equity capital | $28.3M |
| Risk-weighted assets | $151.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.93% |
| Tangible equity to tangible assets | 9.93% |
| Equity capital to average assets | 8.02% |
| Internal capital growth rate | -74.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $37.6M |
| Retained earnings | -$9.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 11.45% | 11.45% | 12.71% | 6.59% | $254.8M |
| Q4 2023 | 13.45% | 13.45% | 14.72% | 7.57% | $249.6M |
| Q1 2024 | 13.57% | 13.57% | 14.84% | 7.01% | $236.6M |
| Q2 2024 | 12.88% | 12.88% | 14.15% | 6.83% | $227.7M |
| Q3 2024 | 12.76% | 12.76% | 14.03% | 6.71% | $219.9M |
| Q4 2024 | 15.71% | 15.71% | 16.99% | 8.29% | $213.1M |
| Q1 2025 | 15.80% | 15.80% | 17.07% | 8.21% | $205.0M |
| Q2 2025 | 16.05% | 16.05% | 17.32% | 8.22% | $197.8M |
| Q3 2025 | 16.10% | 16.10% | 17.37% | 8.24% | $192.9M |
| Q4 2025 | 15.58% | 15.58% | 16.85% | 8.08% | $188.4M |
| Q1 2026 | 15.25% | 15.25% | 16.52% | 7.62% | $181.1M |
| Q2 2026 | 19.42% | 19.42% | 20.69% | 8.35% | $151.8M |
One American Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock One American 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 One American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6078) · FFIEC NIC profile (RSSD 95051)