Prism 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%.
Retained earnings climbed 13.0% in Q2 2026, from $12.8M to $14.5M. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Prism Bank is 8th from the bottom among 71 Oklahoma banks, 11.19% (Q2 2026). Prism Bank reported 11.19% on CET1 ratio for Q2 2026, 3.88 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.19% |
| Tier 1 risk-based capital ratio | 11.19% |
| Total risk-based capital ratio | 12.44% |
| Tier 1 leverage ratio | 10.08% |
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 | $66.0M |
| Tier 1 capital | $66.0M |
| Total risk-based capital | $73.3M |
| Total equity capital | $68.1M |
| Risk-weighted assets | $589.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.44% |
| Tangible equity to tangible assets | 9.15% |
| Equity capital to average assets | 10.36% |
| Internal capital growth rate | 10.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $53.7M |
| Retained earnings | $14.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$241K |
| 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 | 13.62% | 13.62% | 14.87% | 10.99% | $217.8M |
| Q4 2023 | 13.55% | 13.55% | 14.80% | 10.78% | $228.0M |
| Q1 2024 | 15.29% | 15.29% | 16.54% | 12.47% | $240.9M |
| Q2 2024 | 12.95% | 12.95% | 14.20% | 11.16% | $285.3M |
| Q3 2024 | 13.52% | 13.52% | 14.77% | 11.46% | $318.3M |
| Q4 2024 | 12.32% | 12.32% | 13.57% | 11.47% | $374.5M |
| Q1 2025 | 12.66% | 12.66% | 13.91% | 11.00% | $381.3M |
| Q2 2025 | 11.60% | 11.60% | 12.85% | 10.52% | $429.7M |
| Q3 2025 | 11.41% | 11.41% | 12.66% | 10.05% | $460.4M |
| Q4 2025 | 10.84% | 10.84% | 12.09% | 10.05% | $515.6M |
| Q1 2026 | 11.46% | 11.46% | 12.71% | 10.28% | $544.7M |
| Q2 2026 | 11.19% | 11.19% | 12.44% | 10.08% | $589.2M |
Prism Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Prism 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 Prism Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5994) · FFIEC NIC profile (RSSD 905356)