Affinity Bank, National Association: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.91% (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: 5.91% (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 12.76% +6.26 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 | $103.3M | 103,350 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $810.2M | 810,219 | RCOAA223 |
| Recomputed ratio | 12.76% | numerator / denominator | |
| Filed ratio | 12.76% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.26 pp | $50.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.76% +4.76 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 | $103.3M | 103,350 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $810.2M | 810,219 | RCOAA223 |
| Recomputed ratio | 12.76% | numerator / denominator | |
| Filed ratio | 12.76% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.76 pp | $38.5M | capital that could be lost first |
Total risk-based capital ratio 13.91% +3.91 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 | $112.7M | 112,696 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $810.2M | 810,219 | RCOAA223 |
| Recomputed ratio | 13.91% | numerator / denominator | |
| Filed ratio | 13.91% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.91 pp | $31.7M | capital that could be lost first |
Tier 1 leverage ratio 11.41% +6.41 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 | $103.3M | 103,350 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $906.0M | 906,028 | RCOAA224 |
| Recomputed ratio | 11.41% | numerator / denominator | |
| Filed ratio | 11.41% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.41 pp | $58.0M | 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 | 91,734 | 91,411 | 91,088 | 90,581 | 90,078 | 89,523 | RCOAP742 |
| Retained earnings | 30,326 | 27,690 | 25,322 | 27,092 | 24,764 | 22,516 | RCOAKW00 |
| Accumulated other comprehensive income | (3,705) | (3,800) | (3,652) | (4,475) | (5,001) | (5,078) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 118,355 | 115,301 | 112,758 | 113,198 | 109,841 | 106,961 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (15,005) | (14,958) | (15,154) | (14,359) | (13,880) | (13,851) | P859 - P840 |
| Common equity Tier 1 capital | 103,350 | 100,343 | 97,604 | 98,839 | 95,961 | 93,110 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 103,350 | 100,343 | 97,604 | 98,839 | 95,961 | 93,110 | RCOA8274 |
| Tier 2 capital | 9,346 | 9,443 | 9,650 | 9,253 | 9,296 | 9,261 | RCOA5311 |
| Allowance includable in Tier 2 capital | 9,346 | 9,443 | 9,650 | 9,253 | 9,296 | 9,261 | RCOA5310 |
| Total capital | 112,696 | 109,786 | 107,254 | 108,092 | 105,257 | 102,371 | RCOA3792 |
| Total risk-weighted assets | 810,219 | 815,933 | 810,364 | 818,305 | 822,662 | 811,967 | RCOAA223 |
| Average total assets for the leverage ratio | 906,028 | 909,037 | 902,047 | 918,763 | 909,476 | 881,175 | 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 | $39.1M | $97K | 0.25% | 0.01% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $40.4M | $17.1M | 42.38% | 2.11% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $47.5M | $9.5M | 20.00% | 1.17% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $51.3M | $29.8M | 58.16% | 3.68% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $381K | $572K | 150.00% | 0.07% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $2.7M | $4.1M | 150.00% | 0.51% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $693.3M | $690.0M | 99.53% | 85.17% | RC-R Part II, item 4.d, 5.d |
| All other assets | $35.5M | $30.0M | 84.49% | 3.70% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $28.0M | $28.0M | 100.00% | 3.45% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $996K | NA | 0.12% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $809.2M | does not tie to item 31 ($810.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $810.2M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $810.2M | 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 | 12.76% | 12.76% | 13.91% | 11.41% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.30% | 12.30% | 13.46% | 11.04% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.04% | 12.04% | 13.24% | 10.82% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.08% | 12.08% | 13.21% | 10.76% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.66% | 11.66% | 12.79% | 10.55% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.47% | 11.47% | 12.61% | 10.57% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.96% | 12.96% | 14.12% | 12.01% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.82% | 12.82% | 13.97% | 11.66% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.47% | 12.47% | 13.64% | 11.56% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.50% | 12.50% | 13.68% | 11.53% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.41% | 12.41% | 13.65% | 11.27% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.14% | 12.14% | 13.39% | 10.89% | 14.65% | 14.67% | 15.79% | 10.60% |
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 |
|---|---|---|---|---|---|---|
| Affinity Bank, National Association (this bank) | Risk-based | 12.76% | 12.76% | 13.91% | 11.41% | |
| F&M Bank | $915.3M | CBLR | NA | NA | NA | 10.00% |
| Lindell Bank & Trust Company | $915.2M | CBLR | NA | NA | NA | 18.02% |
| Finwise Bank | $915.5M | CBLR | NA | NA | NA | 18.05% |
| State Bank | $916.1M | CBLR | NA | NA | NA | 11.90% |
| Century Next Bank | $916.4M | CBLR | NA | NA | NA | 11.95% |
| Spiritbank | $912.8M | Risk-based | 13.22% | 13.22% | 14.46% | 9.30% |
| Dr Bank | $912.6M | CBLR | NA | NA | NA | 10.28% |
| The Juniata Valley Bank | $917.9M | Risk-based | 11.61% | 11.61% | 12.76% | 8.56% |
| Stonehambank | $918.3M | Risk-based | 12.51% | 12.51% | 13.71% | 8.94% |
| Versabank USA, N.A. | $911.9M | Risk-based | 30.43% | 30.43% | 30.43% | 22.46% |
| Peer 25th percentile | 12.29% | 12.29% | 13.47% | 9.47% | ||
| Peer median | 12.86% | 12.86% | 14.08% | 11.09% | ||
| Peer 75th percentile | 17.52% | 17.52% | 18.45% | 16.50% | ||
| This bank's percentile | 50 | 50 | 50 | 50 |
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/321273/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.