The Payne County 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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 6.2% to -$5.3M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.39% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $44.8M |
| Tier 1 capital | $44.8M |
| Total risk-based capital | — |
| Total equity capital | $39.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.61% |
| Tangible equity to tangible assets | 12.61% |
| Equity capital to average assets | 12.68% |
| Internal capital growth rate | 19.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $700K |
| Retained earnings | $43.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.3M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 15.46% | 11.30% | 11.30% |
| Q4 2023 | 15.32% | 11.92% | 11.92% |
| Q1 2024 | 15.27% | 11.88% | 11.88% |
| Q2 2024 | 15.65% | 12.57% | 12.57% |
| Q3 2024 | 15.07% | 12.71% | 12.71% |
| Q4 2024 | 14.63% | 11.77% | 11.77% |
| Q1 2025 | 14.65% | 12.24% | 12.24% |
| Q2 2025 | 14.45% | 12.38% | 12.38% |
| Q3 2025 | 13.93% | 12.10% | 12.10% |
| Q4 2025 | 13.79% | 12.30% | 12.30% |
| Q1 2026 | 13.97% | 12.48% | 12.48% |
| Q2 2026 | 14.39% | 12.61% | 12.61% |
The Payne County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Payne County 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 The Payne County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12485) · FFIEC NIC profile (RSSD 455150)