Open 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 4.6% from Q1 2026 to Q2 2026, ending at $144.2M against $137.8M. It was the largest change among the key lines on this page. Within California, Open Bank is 66th of 74 on CET1 ratio, 12.10% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Open Bank sits 1.40 points lower, at 12.10% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.10% |
| Tier 1 risk-based capital ratio | 12.10% |
| Total risk-based capital ratio | 13.35% |
| Tier 1 leverage ratio | 10.15% |
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 | $274.5M |
| Tier 1 capital | $274.5M |
| Total risk-based capital | $302.8M |
| Total equity capital | $264.1M |
| Risk-weighted assets | $2.27B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.62% |
| Tangible equity to tangible assets | 9.59% |
| Equity capital to average assets | 9.76% |
| Internal capital growth rate | 9.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $93.9M |
| Common stock surplus | $37.1M |
| Retained earnings | $144.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.1M |
| 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 | 11.98% | 11.98% | 13.20% | 9.55% | $1.71B |
| Q4 2023 | 12.41% | 12.41% | 13.66% | 9.49% | $1.67B |
| Q1 2024 | 12.28% | 12.28% | 13.53% | 9.60% | $1.72B |
| Q2 2024 | 11.99% | 11.99% | 13.24% | 9.27% | $1.78B |
| Q3 2024 | 11.47% | 11.47% | 12.69% | 9.22% | $1.88B |
| Q4 2024 | 11.25% | 11.25% | 12.50% | 9.20% | $1.94B |
| Q1 2025 | 10.99% | 10.99% | 12.24% | 9.15% | $2.02B |
| Q2 2025 | 10.90% | 10.90% | 12.15% | 8.87% | $2.06B |
| Q3 2025 | 10.81% | 10.81% | 12.06% | 8.93% | $2.13B |
| Q4 2025 | 12.05% | 12.05% | 13.30% | 9.91% | $2.18B |
| Q1 2026 | 11.93% | 11.93% | 13.18% | 10.00% | $2.25B |
| Q2 2026 | 12.10% | 12.10% | 13.35% | 10.15% | $2.27B |
Open Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Open 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 Open Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57944) · FFIEC NIC profile (RSSD 3357219)