Alliance Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.72% (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: 8.72% (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 15.59% +9.09 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 | $143.7M | 143,702 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $921.5M | 921,517 | RCOAA223 |
| Recomputed ratio | 15.59% | numerator / denominator | |
| Filed ratio | 15.59% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.09 pp | $83.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.59% +7.59 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 | $143.7M | 143,702 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $921.5M | 921,517 | RCOAA223 |
| Recomputed ratio | 15.59% | numerator / denominator | |
| Filed ratio | 15.59% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.59 pp | $70.0M | capital that could be lost first |
Total risk-based capital ratio 16.72% +6.72 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 | $154.1M | 154,052 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $921.5M | 921,517 | RCOAA223 |
| Recomputed ratio | 16.72% | numerator / denominator | |
| Filed ratio | 16.72% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.72 pp | $61.9M | capital that could be lost first |
Tier 1 leverage ratio 10.42% +5.42 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 | $143.7M | 143,702 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.38B | 1,378,942 | RCOAA224 |
| Recomputed ratio | 10.42% | numerator / denominator | |
| Filed ratio | 10.42% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.42 pp | $74.8M | 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 | 84,251 | 84,251 | 84,251 | 84,251 | 84,251 | 84,251 | RCOAP742 |
| Retained earnings | 78,541 | 77,431 | 75,473 | 74,345 | 72,652 | 73,459 | RCOAKW00 |
| Accumulated other comprehensive income | (34,443) | (33,027) | (32,951) | (35,324) | (44,320) | (46,067) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 128,349 | 128,655 | 126,773 | 123,272 | 112,583 | 111,643 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 15,353 | 13,919 | 13,773 | 16,075 | 25,001 | 26,677 | P859 - P840 |
| Common equity Tier 1 capital | 143,702 | 142,574 | 140,546 | 139,347 | 137,584 | 138,320 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 143,702 | 142,574 | 140,546 | 139,347 | 137,584 | 138,320 | RCOA8274 |
| Tier 2 capital | 10,350 | 10,393 | 10,161 | 9,574 | 9,046 | 9,860 | RCOA5311 |
| Allowance includable in Tier 2 capital | 10,350 | 10,393 | 10,161 | 9,574 | 9,046 | 9,860 | RCOA5310 |
| Total capital | 154,052 | 152,967 | 150,707 | 148,921 | 146,630 | 148,180 | RCOA3792 |
| Total risk-weighted assets | 921,517 | 901,404 | 910,552 | 904,353 | 897,271 | 920,973 | RCOAA223 |
| Average total assets for the leverage ratio | 1,378,942 | 1,377,619 | 1,350,587 | 1,348,678 | 1,387,161 | 1,412,059 | 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 | $201.1M | $4.0M | 1.98% | 0.43% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $342.7M | $78.9M | 23.03% | 8.56% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $50.2M | $647K | 1.29% | 0.07% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $131.0M | $65.7M | 50.15% | 7.13% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $23.8M | $35.7M | 150.00% | 3.88% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $4.1M | $6.1M | 150.00% | 0.67% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $655.7M | $634.4M | 96.75% | 68.84% | RC-R Part II, item 4.d, 5.d |
| All other assets | $56.0M | $54.1M | 96.59% | 5.87% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $51.7M | $42.0M | 81.23% | 4.55% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | -$400 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $921.5M | ties to item 31 ($921.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $921.5M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $921.5M | 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 | 15.59% | 15.59% | 16.72% | 10.42% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 15.82% | 15.82% | 16.97% | 10.35% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 15.44% | 15.44% | 16.55% | 10.41% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 15.41% | 15.41% | 16.47% | 10.33% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 15.33% | 15.33% | 16.34% | 9.92% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 15.02% | 15.02% | 16.09% | 9.80% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.83% | 14.83% | 15.78% | 10.00% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 14.47% | 14.47% | 15.35% | 9.90% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.92% | 13.92% | 14.72% | 9.85% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.61% | 13.61% | 14.53% | 9.67% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.61% | 13.61% | 14.39% | 9.63% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.87% | 13.87% | 14.50% | 9.68% | 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 |
|---|---|---|---|---|---|---|
| Alliance Bank (this bank) | Risk-based | 15.59% | 15.59% | 16.72% | 10.42% | |
| Independence Bank | $1.39B | Risk-based | 15.16% | 15.16% | 16.38% | 13.39% |
| Central National Bank | $1.39B | CBLR | NA | NA | NA | 11.00% |
| Dakota Community Bank & Trust, N.A. | $1.39B | Risk-based | 13.32% | 13.32% | 14.36% | 9.07% |
| Southwestern National Bank | $1.39B | Risk-based | 14.54% | 14.54% | 15.79% | 12.41% |
| Ulster Savings Bank | $1.39B | Risk-based | 13.97% | 13.97% | 15.18% | 9.79% |
| Optimumbank | $1.39B | CBLR | NA | NA | NA | 10.54% |
| Wallis Bank | $1.38B | CBLR | NA | NA | NA | 10.10% |
| Guardian Savings Bank | $1.39B | CBLR | NA | NA | NA | 11.39% |
| Farmers & Merchants Bank | $1.40B | Risk-based | 13.50% | 13.50% | 14.43% | 9.10% |
| Peer 25th percentile | 13.50% | 13.50% | 14.43% | 9.79% | ||
| Peer median | 13.97% | 13.97% | 15.18% | 10.54% | ||
| Peer 75th percentile | 14.54% | 14.54% | 15.79% | 11.39% | ||
| This bank's percentile | 100 | 100 | 100 | 44 |
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/176464/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.