Phelps 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%.
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 Risk-weighted assets, which rose 6.0% to $426.8M. Within Missouri, Phelps County Bank is 57th of 97 on CET1 ratio, 13.03% as of Q2 2026. Phelps County Bank reported 13.03% on CET1 ratio for Q2 2026, 2.05 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.03% |
| Tier 1 risk-based capital ratio | 13.03% |
| Total risk-based capital ratio | 14.13% |
| Tier 1 leverage ratio | 8.88% |
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 | $55.6M |
| Tier 1 capital | $55.6M |
| Total risk-based capital | $60.3M |
| Total equity capital | $48.6M |
| Risk-weighted assets | $426.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.81% |
| Tangible equity to tangible assets | 7.81% |
| Equity capital to average assets | 7.76% |
| Internal capital growth rate | -7.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $4.1M |
| Retained earnings | $50.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.1M |
| 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 | 14.34% | 14.34% | 15.57% | 8.81% | $292.2M |
| Q4 2023 | 13.37% | 13.37% | 14.57% | 9.26% | $325.3M |
| Q1 2024 | 14.27% | 14.27% | 15.50% | 9.35% | $316.6M |
| Q2 2024 | 13.83% | 13.83% | 15.04% | 9.17% | $322.1M |
| Q3 2024 | 13.80% | 13.80% | 14.95% | 9.44% | $336.1M |
| Q4 2024 | 13.85% | 13.85% | 15.01% | 9.67% | $351.8M |
| Q1 2025 | 14.03% | 14.03% | 15.17% | 9.69% | $361.4M |
| Q2 2025 | 13.19% | 13.19% | 14.29% | 9.05% | $377.3M |
| Q3 2025 | 13.45% | 13.45% | 14.57% | 9.29% | $386.2M |
| Q4 2025 | 13.35% | 13.35% | 14.44% | 9.23% | $407.5M |
| Q1 2026 | 14.04% | 14.04% | 15.17% | 9.25% | $402.6M |
| Q2 2026 | 13.03% | 13.03% | 14.13% | 8.88% | $426.8M |
Phelps County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Phelps 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 Phelps County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18841) · FFIEC NIC profile (RSSD 342054)