Alpine Capital Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 15.45% (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: 15.45% (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 22.20% +15.70 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 | $32.0M | 31,974 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $144.0M | 144,027 | RCOAA223 |
| Recomputed ratio | 22.20% | numerator / denominator | |
| Filed ratio | 22.20% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +15.70 pp | $22.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 22.20% +14.20 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 | $32.0M | 31,974 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $144.0M | 144,027 | RCOAA223 |
| Recomputed ratio | 22.20% | numerator / denominator | |
| Filed ratio | 22.20% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +14.20 pp | $20.5M | capital that could be lost first |
Total risk-based capital ratio 23.45% +13.45 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 | $33.8M | 33,775 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $144.0M | 144,027 | RCOAA223 |
| Recomputed ratio | 23.45% | numerator / denominator | |
| Filed ratio | 23.45% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +13.45 pp | $19.4M | capital that could be lost first |
Tier 1 leverage ratio 13.74% +8.74 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 | $32.0M | 31,974 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $232.7M | 232,673 | RCOAA224 |
| Recomputed ratio | 13.74% | numerator / denominator | |
| Filed ratio | 13.74% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.74 pp | $20.3M | 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 | 17,483 | 17,406 | 17,331 | 17,263 | 17,176 | 17,084 | RCOAP742 |
| Retained earnings | 16,382 | 16,918 | 16,604 | 16,435 | 16,399 | 16,338 | RCOAKW00 |
| Accumulated other comprehensive income | (8) | 7 | 27 | 20 | 9 | (8) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 33,857 | 34,331 | 33,962 | 33,718 | 33,584 | 33,414 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,883) | (1,951) | (2,033) | (2,074) | (2,108) | (2,137) | P859 - P840 |
| Common equity Tier 1 capital | 31,974 | 32,380 | 31,929 | 31,644 | 31,476 | 31,277 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 31,974 | 32,380 | 31,929 | 31,644 | 31,476 | 31,277 | RCOA8274 |
| Tier 2 capital | 1,801 | 1,639 | 1,388 | 1,322 | 1,107 | 959 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,801 | 1,639 | 1,388 | 1,322 | 1,107 | 959 | RCOA5310 |
| Total capital | 33,775 | 34,019 | 33,317 | 32,966 | 32,583 | 32,236 | RCOA3792 |
| Total risk-weighted assets | 144,027 | 131,122 | 110,797 | 105,635 | 88,484 | 76,599 | RCOAA223 |
| Average total assets for the leverage ratio | 232,673 | 221,986 | 212,059 | 203,541 | 203,305 | 217,926 | 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 | $87.9M | $27K | 0.03% | 0.02% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $8.2M | $5.0M | 61.49% | 3.49% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $4.4M | $3.2M | 72.48% | 2.24% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $132.9M | $127.2M | 95.72% | 88.30% | RC-R Part II, item 4.d, 5.d |
| All other assets | $3.6M | $3.4M | 96.40% | 2.39% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $5.1M | $5.1M | 100.00% | 3.57% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $200 | 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 | $144.1M | ties to item 31 ($144.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $144.1M | RCONB704 |
| Less: excess allowance for credit losses | $50K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $144.0M | 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 | 22.20% | 22.20% | 23.45% | 13.74% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 24.69% | 24.69% | 25.94% | 14.59% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 28.82% | 28.82% | 30.07% | 15.06% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 29.96% | 29.96% | 31.21% | 15.55% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 35.57% | 35.57% | 36.82% | 15.48% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 40.83% | 40.83% | 42.08% | 14.35% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 45.52% | 45.52% | 46.78% | 16.49% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 56.55% | 56.55% | 57.81% | 16.35% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 57.19% | 57.19% | 58.45% | 16.10% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 50.06% | 50.06% | 51.32% | 18.25% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 39.40% | 39.40% | 40.63% | 16.48% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 70.68% | 70.68% | 71.94% | 28.26% | 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 |
|---|---|---|---|---|---|---|
| Alpine Capital Bank (this bank) | Risk-based | 22.20% | 22.20% | 23.45% | 13.74% | |
| Marion State Bank | $237.4M | Risk-based | 16.07% | 16.07% | 17.05% | 11.88% |
| Compass Bank | $237.6M | Risk-based | 11.77% | 11.77% | 13.03% | 8.77% |
| Williamstown Bank, Inc. | $236.7M | CBLR | NA | NA | NA | 10.14% |
| Buckeye Community Bank | $238.3M | CBLR | NA | NA | NA | 12.94% |
| Citizens Bank of the Midwest | $238.3M | Risk-based | 11.83% | 11.83% | 13.03% | 8.39% |
| Spring Hill State Bank | $238.5M | Risk-based | 28.91% | 28.91% | 30.18% | 16.65% |
| First National Bank and Trust | $238.6M | CBLR | NA | NA | NA | 11.54% |
| Bankcda | $238.9M | CBLR | NA | NA | NA | 11.45% |
| Peer 25th percentile | 11.82% | 11.82% | 13.03% | 9.80% | ||
| Peer median | 13.95% | 13.95% | 15.04% | 11.50% | ||
| Peer 75th percentile | 19.28% | 19.28% | 20.33% | 12.15% | ||
| This bank's percentile | 75 | 75 | 75 | 88 |
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/2889227/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.