The Yellowstone 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 biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 1.7% between Q1 2026 and Q2 2026, to $110.5M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.33% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $163.8M |
| Tier 1 capital | $163.8M |
| Total risk-based capital | — |
| Total equity capital | $169.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.67% |
| Tangible equity to tangible assets | 12.23% |
| Equity capital to average assets | 12.71% |
| Internal capital growth rate | 4.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.5M |
| Common stock surplus | $56.5M |
| Retained earnings | $110.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$840K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 14.16% | 14.59% | 14.09% |
| Q4 2023 | 12.65% | 11.40% | 10.96% |
| Q1 2024 | 11.55% | 11.79% | 11.36% |
| Q2 2024 | 11.54% | 12.14% | 11.71% |
| Q3 2024 | 12.24% | 12.75% | 12.31% |
| Q4 2024 | 13.49% | 14.35% | 13.89% |
| Q1 2025 | 12.88% | 13.23% | 12.77% |
| Q2 2025 | 13.07% | 13.37% | 12.91% |
| Q3 2025 | 13.32% | 13.55% | 13.10% |
| Q4 2025 | 13.28% | 13.61% | 13.18% |
| Q1 2026 | 12.16% | 12.51% | 12.07% |
| Q2 2026 | 12.33% | 12.67% | 12.23% |
The Yellowstone Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Yellowstone 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 Yellowstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1978) · FFIEC NIC profile (RSSD 680457)