Access Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.27% (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: 5.27% (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 12.02% +5.52 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 | $110.9M | 110,878 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $922.2M | 922,202 | RCOAA223 |
| Recomputed ratio | 12.02% | numerator / denominator | |
| Filed ratio | 12.02% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.52 pp | $50.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.02% +4.02 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 | $110.9M | 110,878 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $922.2M | 922,202 | RCOAA223 |
| Recomputed ratio | 12.02% | numerator / denominator | |
| Filed ratio | 12.02% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.02 pp | $37.1M | capital that could be lost first |
Total risk-based capital ratio 13.27% +3.27 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 | $122.4M | 122,418 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $922.2M | 922,202 | RCOAA223 |
| Recomputed ratio | 13.27% | numerator / denominator | |
| Filed ratio | 13.27% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.27 pp | $30.2M | capital that could be lost first |
Tier 1 leverage ratio 10.65% +5.65 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 | $110.9M | 110,878 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.04B | 1,040,732 | RCOAA224 |
| Recomputed ratio | 10.65% | numerator / denominator | |
| Filed ratio | 10.65% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.65 pp | $58.8M | 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 | 58,709 | 58,692 | 58,592 | 58,575 | 58,482 | 58,466 | RCOAP742 |
| Retained earnings | 61,440 | 58,467 | 55,383 | 55,270 | 52,364 | 49,851 | RCOAKW00 |
| Accumulated other comprehensive income | (5,764) | (5,603) | (5,304) | (5,562) | (6,465) | (7,122) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 114,385 | 111,556 | 108,671 | 108,283 | 104,381 | 101,195 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (3,507) | (3,728) | (4,086) | (3,889) | (3,046) | (2,447) | P859 - P840 |
| Common equity Tier 1 capital | 110,878 | 107,828 | 104,585 | 104,394 | 101,335 | 98,748 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 110,878 | 107,828 | 104,585 | 104,394 | 101,335 | 98,748 | RCOA8274 |
| Tier 2 capital | 11,540 | 11,449 | 11,314 | 11,062 | 10,803 | 10,629 | RCOA5311 |
| Allowance includable in Tier 2 capital | 11,540 | 11,449 | 11,314 | 11,062 | 10,803 | 10,629 | RCOA5310 |
| Total capital | 122,418 | 119,277 | 115,899 | 115,456 | 112,138 | 109,377 | RCOA3792 |
| Total risk-weighted assets | 922,202 | 914,861 | 904,262 | 884,480 | 863,603 | 849,687 | RCOAA223 |
| Average total assets for the leverage ratio | 1,040,732 | 956,427 | 964,395 | 903,629 | 934,282 | 967,270 | 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 | $142.9M | $1.4M | 0.97% | 0.15% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $108.1M | $26.1M | 24.14% | 2.83% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $144.1M | $86.2M | 59.79% | 9.34% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $25.3M | $37.9M | 150.00% | 4.10% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $647.3M | $638.1M | 98.59% | 69.13% | RC-R Part II, item 4.d, 5.d |
| All other assets | $45.1M | $44.9M | 99.69% | 4.87% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $55.0M | $49.2M | 89.54% | 5.33% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $342K | $342K | 100.00% | 0.04% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $39.0M | NA | 4.22% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $884.2M | ties to item 31 ($884.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $923.2M | RCONB704 |
| Less: excess allowance for credit losses | $975K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $922.2M | 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 | 12.02% | 12.02% | 13.27% | 10.65% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.79% | 11.79% | 13.04% | 11.27% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.57% | 11.57% | 12.82% | 10.84% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.80% | 11.80% | 13.05% | 11.55% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.73% | 11.73% | 12.98% | 10.85% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.62% | 11.62% | 12.87% | 10.21% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.48% | 11.48% | 12.73% | 9.64% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.29% | 11.29% | 12.54% | 9.48% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.16% | 12.16% | 13.41% | 10.27% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.81% | 11.81% | 13.06% | 10.28% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.87% | 10.87% | 12.12% | 10.67% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.68% | 10.68% | 11.93% | 10.33% | 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 |
|---|---|---|---|---|---|---|
| Access Bank (this bank) | Risk-based | 12.02% | 12.02% | 13.27% | 10.65% | |
| The Citizens National Bank of Bluffton | $1.10B | CBLR | NA | NA | NA | 11.02% |
| T Bank, N.A. | $1.10B | Risk-based | 16.28% | 16.28% | 17.54% | 10.67% |
| First Palmetto Bank | $1.10B | Risk-based | 13.63% | 13.63% | 14.89% | 9.42% |
| Triad Bank | $1.11B | Risk-based | 13.09% | 13.09% | 14.34% | 10.74% |
| Trailwest Bank | $1.11B | Risk-based | 10.89% | 10.89% | 12.15% | 8.62% |
| Saint Louis Bank | $1.11B | Risk-based | 10.02% | 10.02% | 11.25% | 8.81% |
| Jackson County Bank | $1.11B | Risk-based | 10.97% | 10.97% | 12.17% | 8.46% |
| Thread Bank | $1.11B | Risk-based | 23.36% | 23.36% | 24.49% | 9.75% |
| Bank of Labor | $1.11B | Risk-based | 14.19% | 14.19% | 15.14% | 7.99% |
| Pioneer Bank | $1.09B | Risk-based | 17.51% | 17.51% | 18.77% | 12.32% |
| Peer 25th percentile | 10.97% | 10.97% | 12.17% | 8.67% | ||
| Peer median | 13.63% | 13.63% | 14.89% | 9.58% | ||
| Peer 75th percentile | 16.28% | 16.28% | 17.54% | 10.72% | ||
| This bank's percentile | 33 | 33 | 33 | 60 |
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/3614837/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.