Onelocal 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.
Compared with Q1 2026, Tangible equity to tangible assets rose 0.35 percentage points in Q2 2026 to 13.59%, the biggest move on this page.
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 | 13.68% |
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 | $144.6M |
| Tier 1 capital | $144.6M |
| Total risk-based capital | — |
| Total equity capital | $146.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.90% |
| Tangible equity to tangible assets | 13.59% |
| Equity capital to average assets | 13.78% |
| Internal capital growth rate | 7.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $20.1M |
| Retained earnings | $127.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 13.45% | 12.90% | 12.34% |
| Q4 2023 | 13.25% | 13.54% | 13.01% |
| Q1 2024 | 13.70% | 13.89% | 13.36% |
| Q2 2024 | 13.94% | 13.77% | 13.27% |
| Q3 2024 | 13.71% | 13.77% | 13.31% |
| Q4 2024 | 13.62% | 13.50% | 13.06% |
| Q1 2025 | 13.69% | 13.63% | 13.21% |
| Q2 2025 | 13.51% | 13.21% | 12.82% |
| Q3 2025 | 13.33% | 13.40% | 13.03% |
| Q4 2025 | 13.49% | 13.73% | 13.38% |
| Q1 2026 | 13.68% | 13.57% | 13.24% |
| Q2 2026 | 13.68% | 13.90% | 13.59% |
Onelocal Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Onelocal 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 Onelocal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26555) · FFIEC NIC profile (RSSD 1013070)