Tbo 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%.
Tangible equity to tangible assets climbed 1.11 percentage points in Q2 2026, from 8.82% to 9.93%. It was the largest change from Q1 2026 among the key lines here. Tbo Bank ranks 74th of 98 Missouri banks on CET1 ratio, in the lower half at 11.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Tbo Bank sits 3.34 points lower, at 11.73% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.73% |
| Tier 1 risk-based capital ratio | 11.73% |
| Total risk-based capital ratio | 13.00% |
| Tier 1 leverage ratio | 10.87% |
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 | $22.8M |
| Tier 1 capital | $22.8M |
| Total risk-based capital | $25.2M |
| Total equity capital | $22.7M |
| Risk-weighted assets | $194.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.10% |
| Tangible equity to tangible assets | 9.93% |
| Equity capital to average assets | 10.81% |
| Internal capital growth rate | 8.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $319K |
| Common stock surplus | $17.2M |
| Retained earnings | $5.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$485K |
| 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 | 15.08% | 15.08% | 15.67% | 11.52% | $54.4M |
| Q4 2023 | 11.14% | 11.14% | 11.53% | 9.84% | $76.4M |
| Q1 2024 | 12.45% | 12.45% | 12.79% | 10.42% | $84.2M |
| Q2 2024 | 18.13% | 18.13% | 18.44% | 15.41% | $91.4M |
| Q3 2024 | 15.92% | 15.92% | 17.22% | 15.77% | $106.5M |
| Q4 2024 | 15.55% | 15.55% | 16.85% | 14.17% | $111.5M |
| Q1 2025 | 15.64% | 15.64% | 16.93% | 12.03% | $114.0M |
| Q2 2025 | 11.80% | 11.80% | 13.09% | 11.74% | $156.0M |
| Q3 2025 | 11.53% | 11.53% | 12.84% | 11.30% | $183.9M |
| Q4 2025 | 11.99% | 11.99% | 13.29% | 10.98% | $182.4M |
| Q1 2026 | 11.76% | 11.76% | 13.05% | 11.29% | $189.2M |
| Q2 2026 | 11.73% | 11.73% | 13.00% | 10.87% | $194.2M |
Tbo Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Tbo 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 Tbo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10597) · FFIEC NIC profile (RSSD 1003950)