Osgood 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%.
Equity capital to total assets climbed 0.85 percentage points in Q2 2026, from 7.96% to 8.81%. It was the largest change from Q1 2026 among the key lines here. Osgood Bank ranks 52nd of 84 Ohio banks on CET1 ratio, in the lower half at 12.98% (Q2 2026). Osgood Bank reported 12.98% on CET1 ratio for Q2 2026, 2.09 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.98% |
| Tier 1 risk-based capital ratio | 12.98% |
| Total risk-based capital ratio | 14.23% |
| Tier 1 leverage ratio | 9.86% |
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 | $48.3M |
| Tier 1 capital | $48.3M |
| Total risk-based capital | $53.0M |
| Total equity capital | $42.8M |
| Risk-weighted assets | $372.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.81% |
| Tangible equity to tangible assets | 8.29% |
| Equity capital to average assets | 8.69% |
| Internal capital growth rate | 16.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $7.2M |
| Retained earnings | $42.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.2M |
| 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 | 10.79% | 10.79% | 12.04% | 10.15% | $367.7M |
| Q4 2023 | 10.70% | 10.70% | 11.96% | 9.99% | $373.3M |
| Q1 2024 | 10.85% | 10.85% | 12.10% | 10.12% | $374.2M |
| Q2 2024 | 11.14% | 11.14% | 12.39% | 9.51% | $373.8M |
| Q3 2024 | 11.42% | 11.42% | 12.67% | 8.80% | $375.4M |
| Q4 2024 | 10.97% | 10.97% | 12.23% | 8.29% | $373.3M |
| Q1 2025 | 11.30% | 11.30% | 12.55% | 8.72% | $373.6M |
| Q2 2025 | 11.66% | 11.66% | 12.91% | 9.05% | $375.0M |
| Q3 2025 | 12.08% | 12.08% | 13.33% | 9.20% | $374.3M |
| Q4 2025 | 12.32% | 12.32% | 13.57% | 8.97% | $365.4M |
| Q1 2026 | 12.89% | 12.89% | 14.14% | 9.07% | $361.0M |
| Q2 2026 | 12.98% | 12.98% | 14.23% | 9.86% | $372.3M |
Osgood Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Osgood 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 Osgood Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9137) · FFIEC NIC profile (RSSD 313223)