Osb Community 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 3.0% to $15.7M. Osb Community Bank ranks 87th of 198 Illinois banks on CET1 ratio, in the upper half at 15.79% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Osb Community Bank sits 0.71 points higher, at 15.79% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.79% |
| Tier 1 risk-based capital ratio | 15.79% |
| Total risk-based capital ratio | 17.04% |
| Tier 1 leverage ratio | 11.64% |
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 | $41.6M |
| Tier 1 capital | $41.6M |
| Total risk-based capital | $44.9M |
| Total equity capital | $40.7M |
| Risk-weighted assets | $263.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.45% |
| Tangible equity to tangible assets | 11.29% |
| Equity capital to average assets | 11.37% |
| Internal capital growth rate | 4.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $26.8M |
| Retained earnings | $15.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | 17.03% | 17.03% | 18.29% | 12.13% | $257.6M |
| Q4 2023 | 16.61% | 16.61% | 17.86% | 12.29% | $264.8M |
| Q1 2024 | 17.44% | 17.44% | 18.70% | 12.30% | $251.4M |
| Q2 2024 | 16.40% | 16.40% | 17.65% | 11.78% | $253.1M |
| Q3 2024 | 16.15% | 16.15% | 17.40% | 11.94% | $258.8M |
| Q4 2024 | 16.92% | 16.92% | 18.17% | 12.06% | $252.0M |
| Q1 2025 | 16.26% | 16.26% | 17.51% | 11.47% | $249.1M |
| Q2 2025 | 15.83% | 15.83% | 17.09% | 11.61% | $256.9M |
| Q3 2025 | 15.52% | 15.52% | 16.78% | 11.49% | $262.0M |
| Q4 2025 | 15.52% | 15.52% | 16.78% | 11.24% | $263.9M |
| Q1 2026 | 15.22% | 15.22% | 16.48% | 11.36% | $270.2M |
| Q2 2026 | 15.79% | 15.79% | 17.04% | 11.64% | $263.5M |
Osb Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Osb Community 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 Osb Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27989) · FFIEC NIC profile (RSSD 725077)