Plains Commerce 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 average assets fell 0.63 percentage points from Q1 2026 to Q2 2026, ending at 10.27% against 10.91%. It was the largest change among the key lines on this page.
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 | 10.03% |
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 | $135.9M |
| Tier 1 capital | $135.9M |
| Total risk-based capital | — |
| Total equity capital | $139.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.77% |
| Tangible equity to tangible assets | 10.29% |
| Equity capital to average assets | 10.27% |
| Internal capital growth rate | 1.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $215K |
| Common stock surplus | $74.4M |
| Retained earnings | $68.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| 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 | 10.64% | 10.95% | 10.40% |
| Q4 2023 | 10.96% | 10.44% | 9.92% |
| Q1 2024 | 11.27% | 11.09% | 10.56% |
| Q2 2024 | 10.79% | 10.41% | 9.91% |
| Q3 2024 | 10.32% | 10.40% | 9.89% |
| Q4 2024 | 10.26% | 10.26% | 9.76% |
| Q1 2025 | 10.60% | 10.60% | 10.09% |
| Q2 2025 | 10.38% | 10.67% | 10.17% |
| Q3 2025 | 10.81% | 10.53% | 10.04% |
| Q4 2025 | 10.26% | 10.58% | 10.10% |
| Q1 2026 | 10.66% | 10.35% | 9.88% |
| Q2 2026 | 10.03% | 10.77% | 10.29% |
Plains Commerce Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Plains Commerce 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 Plains Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1678) · FFIEC NIC profile (RSSD 593052)