Preferred 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.
Retained earnings fell 7.1% from Q1 2026 to Q2 2026, ending at $2.1M against $2.3M. It was the largest change among the key lines on this page. Within Missouri, Preferred Bank is 19th of 97 on CET1 ratio, 17.71% as of Q2 2026. Preferred Bank reported 17.71% on CET1 ratio for Q2 2026, 2.63 points above 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 | 17.71% |
| Tier 1 risk-based capital ratio | 17.71% |
| Total risk-based capital ratio | 18.62% |
| Tier 1 leverage ratio | 7.56% |
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 | $10.6M |
| Tier 1 capital | $10.6M |
| Total risk-based capital | $11.1M |
| Total equity capital | $6.0M |
| Risk-weighted assets | $59.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 4.43% |
| Tangible equity to tangible assets | 4.36% |
| Equity capital to average assets | 4.25% |
| Internal capital growth rate | -10.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $112K |
| Common stock surplus | $8.4M |
| Retained earnings | $2.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.7M |
| 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 | 21.64% | 21.64% | 22.51% | 7.47% | $51.0M |
| Q4 2023 | 21.23% | 21.23% | 22.19% | 7.58% | $52.3M |
| Q1 2024 | 21.09% | 21.09% | 22.05% | 7.65% | $52.2M |
| Q2 2024 | 21.02% | 21.02% | 21.97% | 7.68% | $52.1M |
| Q3 2024 | 18.35% | 18.35% | 19.18% | 7.59% | $59.9M |
| Q4 2024 | 20.43% | 20.43% | 21.38% | 7.65% | $53.6M |
| Q1 2025 | 20.99% | 20.99% | 21.98% | 7.55% | $51.9M |
| Q2 2025 | 18.69% | 18.69% | 19.60% | 7.52% | $58.1M |
| Q3 2025 | 18.47% | 18.47% | 19.38% | 8.11% | $59.0M |
| Q4 2025 | 17.99% | 17.99% | 18.91% | 8.07% | $60.4M |
| Q1 2026 | 18.09% | 18.09% | 19.03% | 7.66% | $59.4M |
| Q2 2026 | 17.71% | 17.71% | 18.62% | 7.56% | $59.8M |
Preferred Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Preferred 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 Preferred Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10628) · FFIEC NIC profile (RSSD 252452)