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Capital conservation buffer: 8.62% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 8.62% (RCOAH311).

What each ratio is made of, 2Q26

Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.

Common equity Tier 1 ratio 14.84% +8.34 pp over well capitalized

Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.

Common equity Tier 1 capital$1.22B1,223,501RCOAP859
Divided by total risk-weighted assets$8.25B8,246,040RCOAA223
Recomputed ratio14.84%numerator / denominator
Filed ratio14.84%RCOAP793
Regulatory minimum4.50%
Minimum plus conservation buffer7.00%
Well-capitalized level6.50%
Cushion over that level+8.34 pp$687.5Mcapital that could be lost first
Tier 1 risk-based capital ratio 15.36% +7.36 pp over well capitalized

Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.

Tier 1 capital$1.27B1,266,293RCOA8274
Divided by total risk-weighted assets$8.25B8,246,040RCOAA223
Recomputed ratio15.36%numerator / denominator
Filed ratio15.36%RCOA7206
Regulatory minimum6.00%
Minimum plus conservation buffer8.50%
Well-capitalized level8.00%
Cushion over that level+7.36 pp$606.6Mcapital that could be lost first
Total risk-based capital ratio 16.62% +6.62 pp over well capitalized

Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.

Total capital$1.37B1,370,259RCOA3792
Divided by total risk-weighted assets$8.25B8,246,040RCOAA223
Recomputed ratio16.62%numerator / denominator
Filed ratio16.62%RCOA7205
Regulatory minimum8.00%
Minimum plus conservation buffer10.50%
Well-capitalized level10.00%
Cushion over that level+6.62 pp$545.7Mcapital that could be lost first
Tier 1 leverage ratio 13.72% +8.72 pp over well capitalized

Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.

Tier 1 capital$1.27B1,266,293RCOA8274
Divided by average total assets for the leverage ratio$9.23B9,228,255RCOAA224
Recomputed ratio13.72%numerator / denominator
Filed ratio13.72%RCOA7204
Regulatory minimum4.00%
Well-capitalized level5.00%
Cushion over that level+8.72 pp$804.9Mcapital that could be lost first

Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.

The capital stack, $ thousands

From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.

Line2Q261Q264Q253Q252Q251Q25Source
Common stock plus related surplus, net of treasury stock276,632276,632276,632276,632276,632276,632RCOAP742
Retained earnings1,025,629996,792976,677954,724926,362902,902RCOAKW00
Accumulated other comprehensive income(46,516)(40,900)(34,777)(45,863)(56,761)(67,884)RCOAB530
Common equity Tier 1 minority interest000000RCOAP839
Common equity Tier 1 capital before adjustments and deductions1,255,7451,232,5241,218,5321,185,4931,146,2331,111,650RCOAP840
Adjustments and deductions from common equity Tier 1(32,244)(37,862)(43,987)(32,900)(22,005)(10,884)P859 - P840
Common equity Tier 1 capital1,223,5011,194,6621,174,5451,152,5931,124,2281,100,766RCOAP859
Additional Tier 1 capital42,79242,88243,11954,95958,83559,083RCOAP865
Tier 1 capital1,266,2931,237,5441,217,6641,207,5521,183,0631,159,849RCOA8274
Tier 2 capital103,966102,14599,98599,968101,54698,532RCOA5311
Allowance includable in Tier 2 capital103,966102,14599,98599,968101,54698,532RCOA5310
Total capital1,370,2591,339,6891,317,6491,307,5201,284,6091,258,381RCOA3792
Total risk-weighted assets8,246,0408,099,5537,927,9247,926,9828,053,7787,815,454RCOAA223
Average total assets for the leverage ratio9,228,2558,991,2889,053,3669,034,5688,976,2008,895,760RCOAA224

Risk-weighted assets by exposure category, 2Q26

Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.

CategoryExposureRisk-weightedAvg weightShare of RWASource
Cash and balances due$128.3M$12.5M9.75% 0.15%RC-R Part II, item 1
Securities (HTM and AFS)$1.59B$197.3M12.42% 2.37%RC-R Part II, item 2.a, 2.b
Fed funds sold and repo-style transactions$228.2M$18.8M8.22% 0.23%RC-R Part II, item 3.a, 16
Loans: residential mortgage$836.2M$522.9M62.54% 6.29%RC-R Part II, item 4.a, 5.a
Loans: high-volatility commercial real estate$80.6M$120.9M150.00% 1.45%RC-R Part II, item 4.b, 5.b
Loans: past due and nonaccrual$65.1M$97.6M150.00% 1.17%RC-R Part II, item 4.c, 5.c
Loans: all other$6.24B$6.17B98.90% 74.24%RC-R Part II, item 4.d, 5.d
All other assets$327.8M$314.1M95.83% 3.78%RC-R Part II, item 8
Off-balance-sheet commitments and letters of credit$400.1M$404.3M101.03% 4.86%RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b
Derivatives (over the counter and centrally cleared)$21.5M$7.6M35.21% 0.09%RC-R Part II, item 20, 21
Market risk and other approachesNA$446.9MNA 5.37%RC-R Part II, item 27

How the categories add up to total risk-weighted assets

Categories above, excluding market risk and other approaches$7.87Bdoes not tie to item 31 ($8.30B)
Risk-weighted assets before deductions$8.32BRCONB704
Less: excess allowance for credit losses$71.2MA222
Less: allocated transfer risk reserve$03128
Total risk-weighted assets$8.25BRCONG641, ties

12 quarters against the asset-tier median

Common equity Tier 1 ratio: this bank (solid) and the asset-tier median (dashed)
12.5%13.8%15.1% 3Q23: 13.04%4Q23: 12.93%1Q24: 13.11%2Q24: 13.31%3Q24: 13.71%4Q24: 13.67%1Q25: 14.08%2Q25: 13.96%3Q25: 14.54%4Q25: 14.82%1Q26: 14.75%2Q26: 14.84% 3Q231Q252Q26
Tier 1 leverage ratio: this bank (solid) and the asset-tier median (dashed)
9.4%11.9%14.3% 3Q23: 12.11%4Q23: 12.34%1Q24: 12.40%2Q24: 12.51%3Q24: 12.88%4Q24: 12.93%1Q25: 13.04%2Q25: 13.18%3Q25: 13.37%4Q25: 13.45%1Q26: 13.76%2Q26: 13.72% 3Q231Q252Q26
QuarterFrameworkCET1Tier 1Total capitalLeverageTier median CET1Tier median Tier 1Tier median Total capitalTier median Leverage
2Q26Risk-based14.84%15.36%16.62%13.72%13.52%13.55%14.66%10.52%
1Q26Risk-based14.75%15.28%16.54%13.76%13.45%13.46%14.59%10.46%
4Q25Risk-based14.82%15.36%16.62%13.45%13.36%13.37%14.44%10.38%
3Q25Risk-based14.54%15.23%16.49%13.37%13.38%13.39%14.51%10.37%
2Q25Risk-based13.96%14.69%15.95%13.18%13.21%13.21%14.27%10.30%
1Q25Risk-based14.08%14.84%16.10%13.04%13.15%13.17%14.26%10.24%
4Q24Risk-based13.67%14.57%15.83%12.93%13.02%13.05%14.10%10.07%
3Q24Risk-based13.71%14.63%15.89%12.88%12.97%13.02%14.13%10.12%
2Q24Risk-based13.31%14.23%15.49%12.51%12.93%12.94%14.06%10.10%
1Q24Risk-based13.11%14.04%15.30%12.40%12.90%12.91%14.02%10.06%
4Q23Risk-based12.93%13.95%15.21%12.34%12.81%12.82%13.92%10.01%
3Q23Risk-based13.04%13.83%15.09%12.11%12.78%12.79%13.93%10.03%

NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.

Against similar banks, 2Q26

BankAssetsFrameworkCET1Tier 1Total capitalLeverage
1st Source Bank (this bank)Risk-based14.84%15.36%16.62%13.72%
Lake Forest Bank & Trust Company, N.A.$9.25BRisk-based11.16%11.16%12.02%9.93%
Union Bank and Trust Company$9.24BRisk-based12.70%12.71%13.96%10.65%
First American Trust, FSB$9.23BRisk-based33.45%33.45%33.45%7.89%
The Bancorp Bank N.A.$9.21BRisk-based14.27%14.27%15.32%9.09%
Pinnacle Bank$9.18BRisk-based12.35%12.35%13.48%9.92%
First Mid Bank & Trust, N.A.$9.14BRisk-based13.58%13.58%14.66%10.70%
Liberty Bank$9.38BRisk-based13.66%13.66%14.65%13.37%
Merrick Bank$9.13BRisk-based16.80%16.80%18.21%16.59%
Amalgamated Bank$9.41BRisk-based14.78%14.78%15.96%9.60%
American Savings Bank, N.A.$9.05BRisk-based13.49%13.49%14.59%9.10%
Peer 25th percentile12.90%12.90%14.12%9.23%
Peer median13.62%13.62%14.66%9.93%
Peer 75th percentile14.65%14.65%15.80%10.69%
This bank's percentile80808090

Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.

Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/991340/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.