Progressive Ozark 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 rose 2.9% from Q1 2026 to Q2 2026, ending at $16.0M against $15.5M. It was the largest change among the key lines on this page. Progressive Ozark Bank ranks 49th of 98 Missouri banks on CET1 ratio, in the upper half at 13.45% (Q2 2026). Progressive Ozark Bank reported 13.45% on CET1 ratio for Q2 2026, 1.63 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 | 13.45% |
| Tier 1 risk-based capital ratio | 13.45% |
| Total risk-based capital ratio | 14.69% |
| Tier 1 leverage ratio | 9.78% |
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 | $18.6M |
| Tier 1 capital | $18.6M |
| Total risk-based capital | $20.4M |
| Total equity capital | $18.4M |
| Risk-weighted assets | $138.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.64% |
| Tangible equity to tangible assets | 9.64% |
| Equity capital to average assets | 9.66% |
| Internal capital growth rate | 9.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $159K |
| Common stock surplus | $2.5M |
| Retained earnings | $16.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$244K |
| 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 | 12.34% | 12.34% | 13.37% | 9.48% | $126.4M |
| Q4 2023 | 12.23% | 12.23% | 13.28% | 9.42% | $127.8M |
| Q1 2024 | 12.51% | 12.51% | 13.52% | 9.31% | $126.4M |
| Q2 2024 | 12.67% | 12.67% | 13.70% | 9.40% | $127.0M |
| Q3 2024 | 12.89% | 12.89% | 13.94% | 9.74% | $127.7M |
| Q4 2024 | 12.56% | 12.56% | 13.63% | 9.67% | $131.4M |
| Q1 2025 | 12.73% | 12.73% | 13.79% | 9.63% | $133.5M |
| Q2 2025 | 12.68% | 12.68% | 13.78% | 9.49% | $136.6M |
| Q3 2025 | 12.76% | 12.76% | 13.96% | 9.37% | $138.2M |
| Q4 2025 | 12.75% | 12.75% | 14.00% | 9.38% | $140.1M |
| Q1 2026 | 13.22% | 13.22% | 14.48% | 9.64% | $137.6M |
| Q2 2026 | 13.45% | 13.45% | 14.69% | 9.78% | $138.7M |
Progressive Ozark Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Progressive Ozark 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 Progressive Ozark Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31488) · FFIEC NIC profile (RSSD 143372)