Southwest Missouri 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%.
Accumulated other comprehensive income climbed 8.4% in Q2 2026, from -$24.4M to -$22.4M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Southwest Missouri Bank is 35th of 98 on CET1 ratio, 15.30% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Southwest Missouri Bank sits 1.82 points higher, at 15.30% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.30% |
| Tier 1 risk-based capital ratio | 15.30% |
| Total risk-based capital ratio | 16.39% |
| Tier 1 leverage ratio | 8.73% |
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 | $107.7M |
| Tier 1 capital | $107.7M |
| Total risk-based capital | $115.3M |
| Total equity capital | $85.3M |
| Risk-weighted assets | $703.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.06% |
| Tangible equity to tangible assets | 7.06% |
| Equity capital to average assets | 6.91% |
| Internal capital growth rate | 8.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $9.5M |
| Retained earnings | $97.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$22.4M |
| 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 | 15.05% | 15.05% | 16.06% | 8.63% | $622.4M |
| Q4 2023 | 15.18% | 15.18% | 16.18% | 8.60% | $625.9M |
| Q1 2024 | 15.25% | 15.25% | 16.28% | 8.28% | $622.2M |
| Q2 2024 | 15.16% | 15.16% | 16.17% | 8.40% | $632.9M |
| Q3 2024 | 15.08% | 15.08% | 16.08% | 8.50% | $644.6M |
| Q4 2024 | 14.94% | 14.94% | 15.93% | 8.58% | $659.7M |
| Q1 2025 | 15.08% | 15.08% | 16.07% | 8.46% | $662.3M |
| Q2 2025 | 14.97% | 14.97% | 15.96% | 8.54% | $676.6M |
| Q3 2025 | 15.04% | 15.04% | 16.06% | 8.65% | $682.2M |
| Q4 2025 | 15.03% | 15.03% | 16.07% | 8.67% | $695.9M |
| Q1 2026 | 15.14% | 15.14% | 16.21% | 8.58% | $699.9M |
| Q2 2026 | 15.30% | 15.30% | 16.39% | 8.73% | $703.5M |
Southwest Missouri Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwest Missouri 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 Southwest Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22876) · FFIEC NIC profile (RSSD 760854)