One World 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which fell 7.0% to $9.5M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.24% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $37.9M |
| Tier 1 capital | $37.9M |
| Total risk-based capital | — |
| Total equity capital | $38.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.08% |
| Tangible equity to tangible assets | 13.08% |
| Equity capital to average assets | 13.26% |
| Internal capital growth rate | -7.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.8M |
| Common stock surplus | $22.6M |
| Retained earnings | $9.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $60K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 17.12% | 16.79% | 16.79% |
| Q4 2023 | 16.50% | 15.88% | 15.88% |
| Q1 2024 | 15.89% | 15.90% | 15.90% |
| Q2 2024 | 16.12% | 16.40% | 16.40% |
| Q3 2024 | 15.12% | 14.46% | 14.46% |
| Q4 2024 | 14.50% | 14.73% | 14.73% |
| Q1 2025 | 15.28% | 13.96% | 13.96% |
| Q2 2025 | 13.53% | 13.46% | 13.46% |
| Q3 2025 | 13.86% | 13.91% | 13.91% |
| Q4 2025 | 13.59% | 12.96% | 12.96% |
| Q1 2026 | 13.59% | 13.54% | 13.54% |
| Q2 2026 | 13.24% | 13.08% | 13.08% |
One World Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock One World 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 World Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57901) · FFIEC NIC profile (RSSD 3296859)