YNB: 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%.
Compared with Q1 2026, Risk-weighted assets rose 5.4% in Q2 2026 to $182.8M, the biggest move on this page. Within Oklahoma, YNB is 60th of 71 on CET1 ratio, 12.25% as of Q2 2026. YNB reported 12.25% on CET1 ratio for Q2 2026, 2.83 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.25% |
| Tier 1 risk-based capital ratio | 12.25% |
| Total risk-based capital ratio | 12.93% |
| Tier 1 leverage ratio | 8.45% |
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 | $22.4M |
| Tier 1 capital | $22.4M |
| Total risk-based capital | $23.6M |
| Total equity capital | $20.5M |
| Risk-weighted assets | $182.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.86% |
| Tangible equity to tangible assets | 7.47% |
| Equity capital to average assets | 7.72% |
| Internal capital growth rate | 3.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $225K |
| Common stock surplus | $8.2M |
| Retained earnings | $15.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| 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 | 13.38% | 13.38% | 14.10% | 8.94% | $171.5M |
| Q4 2023 | 13.58% | 13.58% | 14.31% | 8.99% | $169.2M |
| Q1 2024 | 13.68% | 13.68% | 14.42% | 9.09% | $169.5M |
| Q2 2024 | 13.74% | 13.74% | 14.47% | 9.10% | $170.0M |
| Q3 2024 | 14.08% | 14.08% | 14.83% | 9.07% | $165.2M |
| Q4 2024 | 14.27% | 14.27% | 15.03% | 8.95% | $163.6M |
| Q1 2025 | 12.87% | 12.87% | 13.61% | 9.07% | $170.2M |
| Q2 2025 | 13.61% | 13.61% | 14.38% | 8.93% | $161.3M |
| Q3 2025 | 13.77% | 13.77% | 14.55% | 8.97% | $160.2M |
| Q4 2025 | 13.49% | 13.49% | 14.24% | 9.00% | $163.9M |
| Q1 2026 | 12.82% | 12.82% | 13.52% | 8.41% | $173.5M |
| Q2 2026 | 12.25% | 12.25% | 12.93% | 8.45% | $182.8M |
YNB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock YNB, 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 YNB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4235) · FFIEC NIC profile (RSSD 953852)