Stockman Bank of Montana: 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 dropped 54.0% in Q2 2026, from -$16.9M to -$26.0M. It was the largest change from Q1 2026 among the key lines here. Within Montana, Stockman Bank of Montana is 18th of 21 on CET1 ratio, 12.01% as of Q2 2026, below the middle of the field. Stockman Bank of Montana reported 12.01% on CET1 ratio for Q2 2026, 1.46 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.01% |
| Tier 1 risk-based capital ratio | 12.01% |
| Total risk-based capital ratio | 13.27% |
| Tier 1 leverage ratio | 9.89% |
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 | $759.5M |
| Tier 1 capital | $759.5M |
| Total risk-based capital | $838.7M |
| Total equity capital | $754.3M |
| Risk-weighted assets | $6.32B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.74% |
| Tangible equity to tangible assets | 9.49% |
| Equity capital to average assets | 9.79% |
| Internal capital growth rate | 11.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.5M |
| Common stock surplus | $368.5M |
| Retained earnings | $405.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$26.0M |
| 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 | 12.55% | 12.55% | 13.80% | 9.53% | $4.54B |
| Q4 2023 | 12.47% | 12.47% | 13.73% | 9.41% | $4.66B |
| Q1 2024 | 12.47% | 12.47% | 13.72% | 9.62% | $4.76B |
| Q2 2024 | 12.44% | 12.44% | 13.69% | 9.62% | $4.88B |
| Q3 2024 | 11.71% | 11.71% | 12.96% | 9.46% | $5.24B |
| Q4 2024 | 11.67% | 11.67% | 12.92% | 9.35% | $5.43B |
| Q1 2025 | 11.76% | 11.76% | 13.01% | 9.63% | $5.53B |
| Q2 2025 | 11.73% | 11.73% | 12.98% | 9.78% | $5.67B |
| Q3 2025 | 11.72% | 11.72% | 12.97% | 9.96% | $5.89B |
| Q4 2025 | 11.59% | 11.59% | 12.84% | 9.64% | $6.17B |
| Q1 2026 | 12.04% | 12.04% | 13.30% | 9.86% | $6.13B |
| Q2 2026 | 12.01% | 12.01% | 13.27% | 9.89% | $6.32B |
Stockman Bank of Montana regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Stockman Bank of Montana, 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 Stockman Bank of Montana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16191) · FFIEC NIC profile (RSSD 651859)