Panhandle First 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.
Equity capital to average assets fell 0.68 percentage points from Q1 2026 to Q2 2026, ending at 13.73% against 14.41%. It was the largest change among the key lines on this page. Within Oklahoma, Panhandle First Bank is 21st of 71 on CET1 ratio, 17.49% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Panhandle First Bank sits 2.41 points higher, at 17.49% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.49% |
| Tier 1 risk-based capital ratio | 17.49% |
| Total risk-based capital ratio | 18.75% |
| Tier 1 leverage ratio | 13.03% |
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 | $73.6M |
| Tier 1 capital | $73.6M |
| Total risk-based capital | $78.9M |
| Total equity capital | $79.0M |
| Risk-weighted assets | $420.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.90% |
| Tangible equity to tangible assets | 12.26% |
| Equity capital to average assets | 13.73% |
| Internal capital growth rate | -8.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $40.3M |
| Retained earnings | $42.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.2M |
| 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 | 19.25% | 19.25% | 20.50% | 13.48% | $164.6M |
| Q4 2023 | 18.01% | 18.01% | 19.26% | 13.46% | $173.8M |
| Q1 2024 | 18.24% | 18.24% | 19.50% | 13.56% | $177.9M |
| Q2 2024 | 15.22% | 15.22% | 16.35% | 12.47% | $418.2M |
| Q3 2024 | 15.84% | 15.84% | 17.03% | 13.26% | $421.1M |
| Q4 2024 | 15.31% | 15.31% | 16.49% | 13.03% | $441.4M |
| Q1 2025 | 16.08% | 16.08% | 17.33% | 13.36% | $437.2M |
| Q2 2025 | 16.26% | 16.26% | 17.51% | 13.39% | $428.1M |
| Q3 2025 | 16.32% | 16.32% | 17.57% | 13.54% | $438.3M |
| Q4 2025 | 16.74% | 16.74% | 18.00% | 13.33% | $433.5M |
| Q1 2026 | 17.30% | 17.30% | 18.55% | 13.46% | $432.9M |
| Q2 2026 | 17.49% | 17.49% | 18.75% | 13.03% | $420.7M |
Panhandle First Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Panhandle First 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 Panhandle First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22340) · FFIEC NIC profile (RSSD 192857)