Academy Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 10.27% (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: 10.27% (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 17.02% +10.52 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 | $469.5M | 469,508 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.76B | 2,758,085 | RCOAA223 |
| Recomputed ratio | 17.02% | numerator / denominator | |
| Filed ratio | 17.02% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.52 pp | $290.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 17.02% +9.02 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 | $469.5M | 469,508 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.76B | 2,758,085 | RCOAA223 |
| Recomputed ratio | 17.02% | numerator / denominator | |
| Filed ratio | 17.02% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +9.02 pp | $248.9M | capital that could be lost first |
Total risk-based capital ratio 18.27% +8.27 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 | $504.0M | 504,018 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.76B | 2,758,085 | RCOAA223 |
| Recomputed ratio | 18.27% | numerator / denominator | |
| Filed ratio | 18.27% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +8.27 pp | $228.2M | capital that could be lost first |
Tier 1 leverage ratio 14.35% +9.35 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 | $469.5M | 469,508 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.27B | 3,272,020 | RCOAA224 |
| Recomputed ratio | 14.35% | numerator / denominator | |
| Filed ratio | 14.35% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +9.35 pp | $305.9M | capital 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.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 337,355 | 337,355 | 337,355 | 307,355 | 307,355 | 307,355 | RCOAP742 |
| Retained earnings | 151,383 | 145,031 | 139,177 | 141,116 | 135,871 | 134,427 | RCOAKW00 |
| Accumulated other comprehensive income | (18,105) | (18,190) | (16,095) | (18,176) | (22,101) | (24,491) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 470,633 | 464,196 | 460,437 | 430,295 | 421,125 | 417,291 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,125) | (1,253) | (3,573) | (1,535) | 2,168 | 4,338 | P859 - P840 |
| Common equity Tier 1 capital | 469,508 | 462,943 | 456,864 | 428,760 | 423,293 | 421,629 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 469,508 | 462,943 | 456,864 | 428,760 | 423,293 | 421,629 | RCOA8274 |
| Tier 2 capital | 34,510 | 34,486 | 33,588 | 34,015 | 32,858 | 32,400 | RCOA5311 |
| Allowance includable in Tier 2 capital | 34,510 | 34,486 | 33,588 | 34,015 | 32,858 | 32,400 | RCOA5310 |
| Total capital | 504,018 | 497,429 | 490,452 | 462,775 | 456,151 | 454,029 | RCOA3792 |
| Total risk-weighted assets | 2,758,085 | 2,756,874 | 2,686,112 | 2,718,235 | 2,625,952 | 2,591,284 | RCOAA223 |
| Average total assets for the leverage ratio | 3,272,020 | 3,283,670 | 3,212,373 | 3,010,982 | 2,951,965 | 2,950,587 | RCOAA224 |
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.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $260.4M | $9.2M | 3.53% | 0.33% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $406.9M | $85.4M | 20.97% | 3.09% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $313.9M | $157.1M | 50.03% | 5.69% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $24.9M | $37.4M | 150.00% | 1.35% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $26.1M | $39.1M | 150.00% | 1.42% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.13B | $2.10B | 98.62% | 75.92% | RC-R Part II, item 4.d, 5.d |
| All other assets | $103.8M | $90.9M | 87.57% | 3.29% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $244.2M | $244.2M | 100.00% | 8.85% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1.7M | NA | 0.06% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.76B | ties to item 31 ($2.76B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.76B | RCONB704 |
| Less: excess allowance for credit losses | $2.7M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.76B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 17.02% | 17.02% | 18.27% | 14.35% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 16.79% | 16.79% | 18.04% | 14.10% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 17.01% | 17.01% | 18.26% | 14.22% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 15.77% | 15.77% | 17.02% | 14.24% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 16.12% | 16.12% | 17.37% | 14.34% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 16.27% | 16.27% | 17.52% | 14.29% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 16.26% | 16.26% | 17.51% | 14.39% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 18.26% | 18.26% | 19.51% | 15.50% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 18.13% | 18.13% | 19.38% | 15.80% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 17.78% | 17.78% | 19.03% | 15.71% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 17.85% | 17.85% | 19.10% | 15.86% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 17.93% | 17.93% | 19.19% | 16.28% | 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
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Academy Bank, N.A. (this bank) | Risk-based | 17.02% | 17.02% | 18.27% | 14.35% | |
| Star Financial Bank | $3.23B | Risk-based | 14.27% | 14.27% | 15.21% | 10.33% |
| Bank of Guam | $3.24B | Risk-based | 14.01% | 14.01% | 15.27% | 8.34% |
| First Western Trust Bank | $3.24B | Risk-based | 11.37% | 11.37% | 12.20% | 9.22% |
| U.S. Bank Trust Company, N.A. | $3.21B | Risk-based | 409.95% | 409.95% | 409.95% | 98.64% |
| North American Savings Bank, FSB | $3.20B | Risk-based | 17.49% | 17.49% | 18.74% | 14.21% |
| Georgia Banking Company | $3.26B | Risk-based | 11.83% | 11.83% | 13.05% | 10.78% |
| Bristol County Savings Bank | $3.26B | Risk-based | 17.84% | 17.84% | 18.94% | 14.40% |
| First Citizens Community Bank | $3.19B | CBLR | NA | NA | NA | 9.64% |
| Exchange Bank | $3.19B | Risk-based | 18.98% | 18.98% | 20.23% | 12.64% |
| Bank of Greene | $3.18B | Risk-based | 15.85% | 15.85% | 17.10% | 9.88% |
| Peer 25th percentile | 14.01% | 14.01% | 15.21% | 9.70% | ||
| Peer median | 15.85% | 15.85% | 17.10% | 10.56% | ||
| Peer 75th percentile | 17.84% | 17.84% | 18.94% | 13.82% | ||
| This bank's percentile | 56 | 56 | 56 | 80 |
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/535753/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.