TPNB 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%.
Equity capital to total assets climbed 0.75 percentage points in Q2 2026, from 12.88% to 13.64%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, TPNB Bank is 17th of 98 on CET1 ratio, 18.36% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. TPNB Bank sits 3.29 points higher, at 18.36% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.36% |
| Tier 1 risk-based capital ratio | 18.36% |
| Total risk-based capital ratio | 19.27% |
| Tier 1 leverage ratio | 15.15% |
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 | $17.2M |
| Tier 1 capital | $17.2M |
| Total risk-based capital | $18.1M |
| Total equity capital | $15.3M |
| Risk-weighted assets | $93.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.64% |
| Tangible equity to tangible assets | 13.64% |
| Equity capital to average assets | 13.44% |
| Internal capital growth rate | 7.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $70K |
| Common stock surplus | $1.0M |
| Retained earnings | $16.1M |
| 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 | 16.96% | 16.96% | 17.84% | 14.87% | $89.6M |
| Q4 2023 | 17.34% | 17.34% | 18.23% | 14.92% | $88.3M |
| Q1 2024 | 17.56% | 17.56% | 18.46% | 14.28% | $87.5M |
| Q2 2024 | 17.33% | 17.33% | 18.21% | 15.07% | $89.4M |
| Q3 2024 | 17.36% | 17.36% | 18.26% | 15.08% | $89.9M |
| Q4 2024 | 17.65% | 17.65% | 18.55% | 14.90% | $89.5M |
| Q1 2025 | 17.04% | 17.04% | 17.90% | 14.70% | $94.0M |
| Q2 2025 | 17.48% | 17.48% | 18.34% | 13.19% | $92.9M |
| Q3 2025 | 17.77% | 17.77% | 18.64% | 15.01% | $92.7M |
| Q4 2025 | 17.36% | 17.36% | 18.21% | 15.06% | $96.0M |
| Q1 2026 | 17.56% | 17.56% | 18.43% | 14.67% | $96.3M |
| Q2 2026 | 18.36% | 18.36% | 19.27% | 15.15% | $93.7M |
TPNB Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock TPNB 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 TPNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4556) · FFIEC NIC profile (RSSD 1007051)