Royal Banks of Missouri: 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%.
Compared with Q1 2026, Equity capital to average assets rose 0.45 percentage points in Q2 2026 to 12.28%, the biggest move on this page. Royal Banks of Missouri ranks 68th of 98 Missouri banks on CET1 ratio, in the lower half at 12.07% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Royal Banks of Missouri sits 1.41 points lower, at 12.07% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.07% |
| Tier 1 risk-based capital ratio | 12.07% |
| Total risk-based capital ratio | 12.60% |
| Tier 1 leverage ratio | 10.93% |
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 | $111.6M |
| Tier 1 capital | $111.6M |
| Total risk-based capital | $116.5M |
| Total equity capital | $127.6M |
| Risk-weighted assets | $924.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.37% |
| Tangible equity to tangible assets | 10.95% |
| Equity capital to average assets | 12.28% |
| Internal capital growth rate | 7.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $749K |
| Common stock surplus | $45.8M |
| Retained earnings | $82.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | 14.70% | 14.70% | 15.40% | 11.94% | $813.0M |
| Q4 2023 | 14.03% | 14.03% | 14.69% | 12.01% | $864.7M |
| Q1 2024 | 14.22% | 14.22% | 14.89% | 11.96% | $853.9M |
| Q2 2024 | 14.43% | 14.43% | 15.10% | 12.20% | $855.6M |
| Q3 2024 | 13.79% | 13.79% | 14.41% | 11.83% | $879.7M |
| Q4 2024 | 11.57% | 11.57% | 12.16% | 9.77% | $864.4M |
| Q1 2025 | 11.95% | 11.95% | 12.55% | 9.93% | $854.0M |
| Q2 2025 | 12.12% | 12.12% | 12.76% | 10.22% | $858.8M |
| Q3 2025 | 11.94% | 11.94% | 12.45% | 10.23% | $880.1M |
| Q4 2025 | 11.93% | 11.93% | 12.44% | 10.51% | $901.2M |
| Q1 2026 | 12.26% | 12.26% | 12.79% | 10.48% | $890.1M |
| Q2 2026 | 12.07% | 12.07% | 12.60% | 10.93% | $924.4M |
Royal Banks of Missouri regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Royal Banks of Missouri, 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 Royal Banks of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19512) · FFIEC NIC profile (RSSD 501459)