Alton Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 2.26% (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. Below 2.50%, the bank's distributions are capped by rule. Filed figure: 2.26% (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 9.77% +3.27 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 | $11.6M | 11,568 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $118.4M | 118,431 | RCOAA223 |
| Recomputed ratio | 9.77% | numerator / denominator | |
| Filed ratio | 9.77% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.27 pp | $3.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 9.77% +1.77 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 | $11.6M | 11,568 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $118.4M | 118,431 | RCOAA223 |
| Recomputed ratio | 9.77% | numerator / denominator | |
| Filed ratio | 9.77% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +1.77 pp | $2.1M | capital that could be lost first |
Total risk-based capital ratio 10.26% +0.26 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 | $12.2M | 12,151 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $118.4M | 118,431 | RCOAA223 |
| Recomputed ratio | 10.26% | numerator / denominator | |
| Filed ratio | 10.26% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +0.26 pp | $308K | capital that could be lost first |
Tier 1 leverage ratio 7.96% +2.96 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 | $11.6M | 11,568 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $145.4M | 145,359 | RCOAA224 |
| Recomputed ratio | 7.96% | numerator / denominator | |
| Filed ratio | 7.96% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +2.96 pp | $4.3M | 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 | 250 | 250 | 250 | 250 | 250 | 250 | RCOAP742 |
| Retained earnings | 11,318 | 10,993 | 10,627 | 10,327 | 10,121 | 9,891 | RCOAKW00 |
| Accumulated other comprehensive income | (821) | (794) | (739) | (805) | (1,036) | (1,161) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 10,747 | 10,449 | 10,138 | 9,772 | 9,335 | 8,980 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 821 | 794 | 739 | 805 | 1,036 | 1,161 | P859 - P840 |
| Common equity Tier 1 capital | 11,568 | 11,243 | 10,877 | 10,577 | 10,371 | 10,141 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 11,568 | 11,243 | 10,877 | 10,577 | 10,371 | 10,141 | RCOA8274 |
| Tier 2 capital | 583 | 547 | 560 | 648 | 647 | 664 | RCOA5311 |
| Allowance includable in Tier 2 capital | 583 | 547 | 560 | 648 | 647 | 664 | RCOA5310 |
| Total capital | 12,151 | 11,790 | 11,437 | 11,225 | 11,018 | 10,805 | RCOA3792 |
| Total risk-weighted assets | 118,431 | 112,400 | 103,520 | 98,349 | 96,375 | 101,031 | RCOAA223 |
| Average total assets for the leverage ratio | 145,359 | 137,858 | 132,504 | 129,183 | 129,925 | 136,458 | 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 | $10.3M | $9.0M | 87.28% | 7.60% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $47.6M | $20.9M | 43.78% | 17.61% | RC-R Part II, item 2.a, 2.b |
| Loans: past due and nonaccrual | $190K | $190K | 100.00% | 0.16% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $81.7M | $81.7M | 100.00% | 68.96% | RC-R Part II, item 4.d, 5.d |
| All other assets | $6.6M | $6.3M | 95.74% | 5.31% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $428K | $428K | 100.00% | 0.36% | 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 | $118.4M | ties to item 31 ($118.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $118.4M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $118.4M | 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 | 9.77% | 9.77% | 10.26% | 7.96% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 10.00% | 10.00% | 10.49% | 8.16% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.51% | 10.51% | 11.05% | 8.21% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.75% | 10.75% | 11.41% | 8.19% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.76% | 10.76% | 11.43% | 7.98% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 10.04% | 10.04% | 10.69% | 7.43% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.32% | 10.32% | 11.02% | 7.88% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.37% | 10.37% | 11.08% | 8.12% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.22% | 11.22% | 11.99% | 8.36% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.05% | 11.05% | 11.83% | 8.14% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.82% | 10.82% | 11.61% | 8.29% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.17% | 11.17% | 11.97% | 8.55% | 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 |
|---|---|---|---|---|---|---|
| Alton Bank (this bank) | Risk-based | 9.77% | 9.77% | 10.26% | 7.96% | |
| The Peoples Bank | $145.0M | Risk-based | 17.46% | 17.46% | 18.72% | 10.82% |
| Security Bank Minnesota | $145.1M | Risk-based | 13.15% | 13.15% | 14.40% | 9.78% |
| Bank of Moundville | $144.6M | CBLR | NA | NA | NA | 15.10% |
| The American National Bank of Mount Pleasant | $144.6M | CBLR | NA | NA | NA | 12.82% |
| Bank Plus | $144.6M | CBLR | NA | NA | NA | 10.67% |
| Monroe Federal Savings and Loan Association | $144.5M | CBLR | NA | NA | NA | 9.86% |
| Vermilion Bank & Trust Company | $145.5M | Risk-based | 23.97% | 23.97% | 25.22% | 12.55% |
| Union Federal Savings and Loan Association | $145.6M | CBLR | NA | NA | NA | 16.53% |
| Jonesburg State Bank | $145.6M | Risk-based | 14.98% | 14.98% | 16.18% | 9.95% |
| Peer 25th percentile | 14.52% | 14.52% | 15.74% | 9.95% | ||
| Peer median | 16.22% | 16.22% | 17.45% | 10.82% | ||
| Peer 75th percentile | 19.09% | 19.09% | 20.34% | 12.82% | ||
| This bank's percentile | 0 | 0 | 0 | 0 |
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/881441/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.