The Seiling State 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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.51 percentage points to 9.79%. The Seiling State Bank ranks 44th of 71 Oklahoma banks on CET1 ratio, in the lower half at 13.74% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Seiling State Bank sits 1.33 points lower, at 13.74% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.74% |
| Tier 1 risk-based capital ratio | 13.74% |
| Total risk-based capital ratio | 15.00% |
| Tier 1 leverage ratio | 10.54% |
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 | $21.2M |
| Tier 1 capital | $21.2M |
| Total risk-based capital | $23.2M |
| Total equity capital | $19.1M |
| Risk-weighted assets | $154.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.79% |
| Tangible equity to tangible assets | 9.79% |
| Equity capital to average assets | 9.48% |
| Internal capital growth rate | 8.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $10.2M |
| Retained earnings | $10.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| 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 | 16.34% | 16.34% | 17.59% | 10.93% | $113.2M |
| Q4 2023 | 13.92% | 13.92% | 15.12% | 9.97% | $125.7M |
| Q1 2024 | 13.75% | 13.75% | 14.97% | 9.46% | $126.7M |
| Q2 2024 | 13.69% | 13.69% | 14.94% | 9.26% | $128.3M |
| Q3 2024 | 13.55% | 13.55% | 14.77% | 9.28% | $127.4M |
| Q4 2024 | 12.16% | 12.16% | 13.20% | 9.47% | $145.6M |
| Q1 2025 | 12.97% | 12.97% | 14.04% | 9.43% | $138.4M |
| Q2 2025 | 12.97% | 12.97% | 14.04% | 9.62% | $140.7M |
| Q3 2025 | 11.81% | 11.81% | 12.80% | 9.59% | $156.4M |
| Q4 2025 | 12.48% | 12.48% | 13.54% | 9.63% | $157.2M |
| Q1 2026 | 13.36% | 13.36% | 14.47% | 10.24% | $155.8M |
| Q2 2026 | 13.74% | 13.74% | 15.00% | 10.54% | $154.4M |
The Seiling State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Seiling State 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 The Seiling State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4193) · FFIEC NIC profile (RSSD 313157)