Amalgamated Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.96% (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: 7.96% (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 14.78% +8.28 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 | $896.4M | 896,448 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.07B | 6,066,583 | RCOAA223 |
| Recomputed ratio | 14.78% | numerator / denominator | |
| Filed ratio | 14.78% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.28 pp | $502.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.78% +6.78 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 | $896.4M | 896,448 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.07B | 6,066,583 | RCOAA223 |
| Recomputed ratio | 14.78% | numerator / denominator | |
| Filed ratio | 14.78% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.78 pp | $411.1M | capital that could be lost first |
Total risk-based capital ratio 15.96% +5.96 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 | $968.3M | 968,262 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.07B | 6,066,583 | RCOAA223 |
| Recomputed ratio | 15.96% | numerator / denominator | |
| Filed ratio | 15.96% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.96 pp | $361.6M | capital that could be lost first |
Tier 1 leverage ratio 9.60% +4.60 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 | $896.4M | 896,448 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $9.33B | 9,334,553 | RCOAA224 |
| Recomputed ratio | 9.60% | numerator / denominator | |
| Filed ratio | 9.60% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.60 pp | $429.7M | 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 | 322,315 | 320,175 | 318,138 | 316,156 | 314,378 | 312,658 | RCOAP742 |
| Retained earnings | 588,051 | 552,584 | 526,660 | 499,410 | 521,846 | 495,075 | RCOAKW00 |
| Accumulated other comprehensive income | (40,796) | (36,586) | (32,088) | (35,210) | (42,982) | (47,308) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 869,570 | 836,173 | 812,710 | 780,356 | 793,242 | 760,425 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 26,878 | 22,533 | 17,915 | 20,751 | 28,377 | 32,558 | P859 - P840 |
| Common equity Tier 1 capital | 896,448 | 858,706 | 830,625 | 801,107 | 821,619 | 792,983 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 896,448 | 858,706 | 830,625 | 801,107 | 821,619 | 792,983 | RCOA8274 |
| Tier 2 capital | 71,814 | 70,583 | 60,366 | 59,334 | 63,678 | 62,242 | RCOA5311 |
| Allowance includable in Tier 2 capital | 71,814 | 70,583 | 60,366 | 59,334 | 63,678 | 62,242 | RCOA5310 |
| Total capital | 968,262 | 929,289 | 890,991 | 860,441 | 885,297 | 855,225 | RCOA3792 |
| Total risk-weighted assets | 6,066,583 | 5,842,943 | 5,695,147 | 5,602,155 | 5,537,898 | 5,383,977 | RCOAA223 |
| Average total assets for the leverage ratio | 9,334,553 | 8,859,238 | 8,627,735 | 8,650,601 | 8,451,023 | 8,292,139 | 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 | $167.8M | $835K | 0.50% | 0.01% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $2.40B | $950.1M | 39.60% | 15.66% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $59.3M | $0 | 0.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $1.54B | $779.1M | 50.48% | 12.84% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $104.5M | $103.4M | 98.99% | 1.70% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $3.39B | $3.39B | 100.00% | 55.81% | RC-R Part II, item 4.d, 5.d |
| All other assets | $265.2M | $261.0M | 98.42% | 4.30% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $240.3M | $240.3M | 100.00% | 3.96% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $4.1M | $0 | 0.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $346.3M | NA | 5.71% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $5.72B | ties to item 31 ($5.72B) |
|---|---|---|
| Risk-weighted assets before deductions | $6.07B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $6.07B | 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 | 14.78% | 14.78% | 15.96% | 9.60% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 14.70% | 14.70% | 15.90% | 9.69% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 14.58% | 14.58% | 15.64% | 9.63% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 14.30% | 14.30% | 15.36% | 9.26% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 14.84% | 14.84% | 15.99% | 9.72% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 14.73% | 14.73% | 15.88% | 9.56% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.16% | 14.16% | 15.35% | 9.17% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 14.75% | 14.75% | 15.98% | 9.21% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 14.34% | 14.34% | 15.59% | 8.95% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 14.48% | 14.48% | 15.73% | 8.77% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.69% | 13.69% | 14.94% | 8.50% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.73% | 13.73% | 14.98% | 8.58% | 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 |
|---|---|---|---|---|---|---|
| Amalgamated Bank (this bank) | Risk-based | 14.78% | 14.78% | 15.96% | 9.60% | |
| Liberty Bank | $9.38B | Risk-based | 13.66% | 13.66% | 14.65% | 13.37% |
| Peoples Bank | $9.53B | Risk-based | 12.30% | 12.30% | 13.40% | 9.70% |
| 1st Source Bank | $9.26B | Risk-based | 14.84% | 15.36% | 16.62% | 13.72% |
| Lake Forest Bank & Trust Company, N.A. | $9.25B | Risk-based | 11.16% | 11.16% | 12.02% | 9.93% |
| Wintrust Bank, N.A. | $9.57B | Risk-based | 12.25% | 12.25% | 13.27% | 11.41% |
| Union Bank and Trust Company | $9.24B | Risk-based | 12.70% | 12.71% | 13.96% | 10.65% |
| First American Trust, FSB | $9.23B | Risk-based | 33.45% | 33.45% | 33.45% | 7.89% |
| RBC Bank (Georgia), N.A. | $9.59B | Risk-based | 48.11% | 48.11% | 49.16% | 10.42% |
| The Bancorp Bank N.A. | $9.21B | Risk-based | 14.27% | 14.27% | 15.32% | 9.09% |
| EagleBank | $9.62B | Risk-based | 14.95% | 14.95% | 16.20% | 11.49% |
| Peer 25th percentile | 12.40% | 12.40% | 13.54% | 9.76% | ||
| Peer median | 13.96% | 13.96% | 14.98% | 10.53% | ||
| Peer 75th percentile | 14.92% | 15.25% | 16.51% | 11.47% | ||
| This bank's percentile | 60 | 60 | 60 | 20 |
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/661308/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.