Amerasia Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 11.27% (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: 11.27% (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 18.40% +11.90 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 | $161.0M | 161,010 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $874.9M | 874,928 | RCOAA223 |
| Recomputed ratio | 18.40% | numerator / denominator | |
| Filed ratio | 18.40% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +11.90 pp | $104.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 18.40% +10.40 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 | $161.0M | 161,010 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $874.9M | 874,928 | RCOAA223 |
| Recomputed ratio | 18.40% | numerator / denominator | |
| Filed ratio | 18.40% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +10.40 pp | $91.0M | capital that could be lost first |
Total risk-based capital ratio 19.27% +9.27 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 | $168.6M | 168,628 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $874.9M | 874,928 | RCOAA223 |
| Recomputed ratio | 19.27% | numerator / denominator | |
| Filed ratio | 19.27% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +9.27 pp | $81.1M | capital that could be lost first |
Tier 1 leverage ratio 15.12% +10.12 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 | $161.0M | 161,010 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.06B | 1,064,841 | RCOAA224 |
| Recomputed ratio | 15.12% | numerator / denominator | |
| Filed ratio | 15.12% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +10.12 pp | $107.8M | 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 | 11,954 | 11,954 | 11,954 | 11,954 | 11,954 | 11,954 | RCOAP742 |
| Retained earnings | 149,263 | 144,742 | 139,954 | 142,491 | 135,382 | 129,905 | RCOAKW00 |
| Accumulated other comprehensive income | (438) | (360) | (60) | (106) | (302) | (434) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 160,779 | 156,336 | 151,848 | 154,339 | 147,034 | 141,425 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 231 | 153 | (147) | (130) | 66 | 198 | P859 - P840 |
| Common equity Tier 1 capital | 161,010 | 156,489 | 151,701 | 154,209 | 147,100 | 141,623 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 161,010 | 156,489 | 151,701 | 154,209 | 147,100 | 141,623 | RCOA8274 |
| Tier 2 capital | 7,618 | 7,168 | 6,900 | 6,827 | 6,926 | 6,828 | RCOA5311 |
| Allowance includable in Tier 2 capital | 7,618 | 7,168 | 6,900 | 6,827 | 6,926 | 6,828 | RCOA5310 |
| Total capital | 168,628 | 163,657 | 158,601 | 161,036 | 154,026 | 148,451 | RCOA3792 |
| Total risk-weighted assets | 874,928 | 836,539 | 784,508 | 776,343 | 777,802 | 758,899 | RCOAA223 |
| Average total assets for the leverage ratio | 1,064,841 | 1,017,190 | 984,335 | 1,001,361 | 996,999 | 981,554 | 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 | $78.0M | $878K | 1.12% | 0.10% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $152.8M | $68.7M | 44.94% | 7.85% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $224.4M | $163.6M | 72.92% | 18.70% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $13.0M | $19.5M | 150.00% | 2.23% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $584.3M | $568.3M | 97.26% | 64.95% | RC-R Part II, item 4.d, 5.d |
| All other assets | $40.5M | $37.8M | 93.38% | 4.32% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $16.9M | $16.1M | 95.27% | 1.84% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1K | 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 | $874.9M | ties to item 31 ($874.9M) |
|---|---|---|
| Risk-weighted assets before deductions | $874.9M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $874.9M | 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 | 18.40% | 18.40% | 19.27% | 15.12% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 18.71% | 18.71% | 19.56% | 15.38% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 19.34% | 19.34% | 20.22% | 15.41% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 19.86% | 19.86% | 20.74% | 15.40% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 18.91% | 18.91% | 19.80% | 14.75% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 18.66% | 18.66% | 19.56% | 14.43% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 18.53% | 18.53% | 19.46% | 14.35% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 19.08% | 19.08% | 20.03% | 15.28% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 18.84% | 18.84% | 19.79% | 15.52% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 18.43% | 18.43% | 19.37% | 15.48% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 18.16% | 18.16% | 19.11% | 15.29% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 18.12% | 18.12% | 19.05% | 15.44% | 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 |
|---|---|---|---|---|---|---|
| Amerasia Bank (this bank) | Risk-based | 18.40% | 18.40% | 19.27% | 15.12% | |
| Auburnbank | $1.09B | Risk-based | 16.26% | 16.26% | 17.24% | 10.65% |
| First Resource Bank | $1.08B | Risk-based | 11.62% | 11.62% | 12.77% | 8.34% |
| Prime Alliance Bank | $1.09B | Risk-based | 12.73% | 12.73% | 14.00% | 11.53% |
| Partners Bank of New England | $1.09B | Risk-based | 14.68% | 14.68% | 15.80% | 10.99% |
| First Bank of Berne | $1.09B | Risk-based | 12.23% | 12.23% | 13.44% | 9.92% |
| Winchester Savings Bank | $1.09B | CBLR | NA | NA | NA | 9.63% |
| Mountainone Bank | $1.08B | Risk-based | 16.76% | 16.76% | 17.80% | 14.75% |
| First Command Bank | $1.08B | Risk-based | 18.08% | 18.08% | 19.08% | 10.20% |
| The Federal Savings Bank | $1.08B | Risk-based | 19.97% | 19.97% | 20.68% | 15.86% |
| Parkside Financial Bank and Trust | $1.08B | Risk-based | 12.99% | 12.99% | 14.25% | 12.98% |
| Peer 25th percentile | 12.73% | 12.73% | 14.00% | 9.99% | ||
| Peer median | 14.68% | 14.68% | 15.80% | 10.82% | ||
| Peer 75th percentile | 16.76% | 16.76% | 17.80% | 12.61% | ||
| This bank's percentile | 89 | 89 | 89 | 90 |
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/1169650/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.