Alliance Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.98% (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: 4.98% (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 11.73% +5.23 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 | $77.3M | 77,349 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $659.6M | 659,626 | RCOAA223 |
| Recomputed ratio | 11.73% | numerator / denominator | |
| Filed ratio | 11.73% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.23 pp | $34.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.73% +3.73 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 | $77.3M | 77,349 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $659.6M | 659,626 | RCOAA223 |
| Recomputed ratio | 11.73% | numerator / denominator | |
| Filed ratio | 11.73% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.73 pp | $24.6M | capital that could be lost first |
Total risk-based capital ratio 12.98% +2.98 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 | $85.6M | 85,618 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $659.6M | 659,626 | RCOAA223 |
| Recomputed ratio | 12.98% | numerator / denominator | |
| Filed ratio | 12.98% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.98 pp | $19.7M | capital that could be lost first |
Tier 1 leverage ratio 10.07% +5.07 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 | $77.3M | 77,349 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $767.9M | 767,861 | RCOAA224 |
| Recomputed ratio | 10.07% | numerator / denominator | |
| Filed ratio | 10.07% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.07 pp | $39.0M | 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 | 46,392 | 46,392 | 46,392 | 46,392 | 46,392 | 46,392 | RCOAP742 |
| Retained earnings | 33,356 | 36,739 | 34,647 | 32,673 | 30,801 | 29,067 | RCOAKW00 |
| Accumulated other comprehensive income | (3,005) | (3,187) | (2,715) | (3,189) | (3,765) | (4,467) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 76,743 | 79,944 | 78,324 | 75,876 | 73,428 | 70,992 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 606 | 788 | 316 | 790 | 1,366 | 2,068 | P859 - P840 |
| Common equity Tier 1 capital | 77,349 | 80,732 | 78,640 | 76,666 | 74,794 | 73,060 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 77,349 | 80,732 | 78,640 | 76,666 | 74,794 | 73,060 | RCOA8274 |
| Tier 2 capital | 8,269 | 8,200 | 7,852 | 7,741 | 7,816 | 7,984 | RCOA5311 |
| Allowance includable in Tier 2 capital | 8,269 | 8,200 | 7,852 | 7,741 | 7,816 | 7,984 | RCOA5310 |
| Total capital | 85,618 | 88,932 | 86,492 | 84,407 | 82,610 | 81,044 | RCOA3792 |
| Total risk-weighted assets | 659,626 | 654,061 | 625,905 | 616,894 | 622,979 | 636,475 | RCOAA223 |
| Average total assets for the leverage ratio | 767,861 | 756,039 | 766,378 | 767,046 | 764,040 | 779,213 | 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 | $41.3M | $118K | 0.29% | 0.02% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $91.8M | $13.7M | 14.94% | 2.07% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $83.3M | $41.6M | 50.00% | 6.29% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $31.1M | $46.6M | 150.00% | 7.05% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $42K | $63K | 150.00% | 0.01% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $501.2M | $492.5M | 98.26% | 74.45% | RC-R Part II, item 4.d, 5.d |
| All other assets | $19.0M | $19.3M | 101.30% | 2.92% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $50.0M | $47.6M | 95.15% | 7.19% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $661.5M | ties to item 31 ($661.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $661.5M | RCONB704 |
| Less: excess allowance for credit losses | $1.9M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $659.6M | 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 | 11.73% | 11.73% | 12.98% | 10.07% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.34% | 12.34% | 13.60% | 10.68% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.56% | 12.56% | 13.82% | 10.26% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.43% | 12.43% | 13.68% | 9.99% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.01% | 12.01% | 13.26% | 9.79% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.48% | 11.48% | 12.73% | 9.38% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.38% | 12.38% | 13.63% | 9.86% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.90% | 11.90% | 13.15% | 9.95% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.54% | 11.54% | 12.80% | 9.91% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.46% | 11.46% | 12.72% | 9.37% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.12% | 12.12% | 13.37% | 10.29% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.03% | 12.03% | 13.28% | 10.14% | 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 |
|---|---|---|---|---|---|---|
| Alliance Bank (this bank) | Risk-based | 11.73% | 11.73% | 12.98% | 10.07% | |
| Eaglemark Savings Bank | $755.7M | Risk-based | 24.83% | 24.83% | 24.86% | 23.68% |
| First National Community Bank | $754.7M | CBLR | NA | NA | NA | 12.92% |
| Green Belt Bank & Trust | $758.7M | Risk-based | 10.13% | 10.13% | 11.38% | 9.18% |
| United Valley Bank | $751.6M | CBLR | NA | NA | NA | 10.50% |
| Fortifi Bank | $750.4M | Risk-based | 15.36% | 15.36% | 16.62% | 12.61% |
| First State Bank | $761.7M | CBLR | NA | NA | NA | 11.44% |
| Bac Community Bank | $761.9M | Risk-based | 16.60% | 16.60% | 17.85% | 11.44% |
| Commerce Bank | $762.5M | Risk-based | 29.75% | 29.75% | 30.73% | 12.28% |
| The Genoa Banking Company | $747.8M | Risk-based | 10.95% | 10.95% | 12.13% | 7.58% |
| Peer 25th percentile | 12.05% | 12.05% | 13.26% | 10.50% | ||
| Peer median | 15.98% | 15.98% | 17.23% | 11.44% | ||
| Peer 75th percentile | 22.77% | 22.77% | 23.11% | 12.61% | ||
| This bank's percentile | 33 | 33 | 33 | 22 |
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/166652/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.