Oriental 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.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 2.7% to $623.2M. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio; Oriental Bank reported 13.22% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.22% |
| Tier 1 risk-based capital ratio | 13.22% |
| Total risk-based capital ratio | 14.48% |
| Tier 1 leverage ratio | 10.57% |
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 | $1.27B |
| Tier 1 capital | $1.27B |
| Total risk-based capital | $1.39B |
| Total equity capital | $1.32B |
| Risk-weighted assets | $9.61B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.94% |
| Tangible equity to tangible assets | 10.25% |
| Equity capital to average assets | 10.89% |
| Internal capital growth rate | 5.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.9M |
| Common stock surplus | $724.9M |
| Retained earnings | $623.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$38.9M |
| 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 | 12.80% | 12.80% | 14.06% | 10.12% | $7.97B |
| Q4 2023 | 13.01% | 13.01% | 14.27% | 10.20% | $8.26B |
| Q1 2024 | 13.14% | 13.14% | 14.40% | 9.82% | $8.28B |
| Q2 2024 | 13.39% | 13.39% | 14.64% | 10.22% | $8.51B |
| Q3 2024 | 13.38% | 13.38% | 14.63% | 10.38% | $8.71B |
| Q4 2024 | 13.60% | 13.60% | 14.86% | 10.45% | $8.76B |
| Q1 2025 | 12.95% | 12.95% | 14.21% | 9.84% | $8.78B |
| Q2 2025 | 12.95% | 12.95% | 14.21% | 10.07% | $9.18B |
| Q3 2025 | 13.41% | 13.41% | 14.67% | 10.23% | $9.24B |
| Q4 2025 | 13.44% | 13.44% | 14.70% | 10.31% | $9.38B |
| Q1 2026 | 13.17% | 13.17% | 14.43% | 10.45% | $9.50B |
| Q2 2026 | 13.22% | 13.22% | 14.48% | 10.57% | $9.61B |
Oriental Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Oriental 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 Oriental Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31469) · FFIEC NIC profile (RSSD 245276)