American Eagle Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 1.75% (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: 1.75% (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 9.49% +2.99 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 | $40.7M | 40,695 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $428.9M | 428,938 | RCOAA223 |
| Recomputed ratio | 9.49% | numerator / denominator | |
| Filed ratio | 9.49% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +2.99 pp | $12.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 9.49% +1.49 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 | $40.7M | 40,695 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $428.9M | 428,938 | RCOAA223 |
| Recomputed ratio | 9.49% | numerator / denominator | |
| Filed ratio | 9.49% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +1.49 pp | $6.4M | capital that could be lost first |
Total risk-based capital ratio 9.75% -0.25 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 | $41.8M | 41,841 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $428.9M | 428,938 | RCOAA223 |
| Recomputed ratio | 9.75% | numerator / denominator | |
| Filed ratio | 9.75% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | -0.25 pp | -$1.1M | capital that could be lost first |
Tier 1 leverage ratio 8.53% +3.53 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 | $40.7M | 40,695 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $477.2M | 477,156 | RCOAA224 |
| Recomputed ratio | 8.53% | numerator / denominator | |
| Filed ratio | 8.53% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.53 pp | $16.8M | 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 | 28,280 | 28,280 | 28,180 | 28,180 | 28,180 | 28,180 | RCOAP742 |
| Retained earnings | 12,415 | 14,945 | 14,932 | 14,737 | 14,397 | 14,524 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | (3) | (9) | (16) | (21) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 40,695 | 43,225 | 43,109 | 42,908 | 42,561 | 42,683 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 3 | 9 | 16 | 21 | P859 - P840 |
| Common equity Tier 1 capital | 40,695 | 43,225 | 43,112 | 42,917 | 42,577 | 42,704 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 40,695 | 43,225 | 43,112 | 42,917 | 42,577 | 42,704 | RCOA8274 |
| Tier 2 capital | 1,146 | 1,164 | 1,157 | 1,224 | 1,246 | 1,335 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,146 | 1,164 | 1,157 | 1,224 | 1,246 | 1,335 | RCOA5310 |
| Total capital | 41,841 | 44,389 | 44,269 | 44,141 | 43,823 | 44,039 | RCOA3792 |
| Total risk-weighted assets | 428,938 | 422,359 | 418,019 | 419,621 | 403,891 | 417,436 | RCOAA223 |
| Average total assets for the leverage ratio | 477,156 | 482,838 | 484,898 | 476,295 | 478,577 | 470,990 | 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 | $28.4M | $60K | 0.21% | 0.01% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.6M | $327K | 20.00% | 0.08% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $71.8M | $35.9M | 50.00% | 8.37% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $11.5M | $17.2M | 150.00% | 4.01% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $157K | $236K | 150.00% | 0.05% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $359.4M | $357.3M | 99.42% | 83.30% | RC-R Part II, item 4.d, 5.d |
| All other assets | $13.0M | $11.7M | 90.05% | 2.72% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $6.3M | $6.2M | 98.11% | 1.45% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | 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 | $428.9M | ties to item 31 ($428.9M) |
|---|---|---|
| Risk-weighted assets before deductions | $428.9M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $428.9M | 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 | 9.49% | 9.49% | 9.75% | 8.53% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 10.23% | 10.23% | 10.51% | 8.95% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.31% | 10.31% | 10.59% | 8.89% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.23% | 10.23% | 10.52% | 9.01% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.54% | 10.54% | 10.85% | 8.90% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 10.23% | 10.23% | 10.55% | 9.07% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.20% | 10.20% | 10.54% | 8.83% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.35% | 10.35% | 10.71% | 9.08% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.61% | 10.61% | 10.99% | 9.31% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 10.74% | 10.74% | 11.14% | 9.26% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.61% | 10.61% | 11.03% | 9.14% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 10.76% | 10.76% | 11.25% | 9.04% | 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 |
|---|---|---|---|---|---|---|
| American Eagle Bank (this bank) | Risk-based | 9.49% | 9.49% | 9.75% | 8.53% | |
| Wallkill Valley Federal Savings and Loan Association | $485.0M | Risk-based | 13.55% | 13.55% | 14.77% | 9.17% |
| Rolling Hills Bank & Trust | $484.4M | CBLR | NA | NA | NA | 11.85% |
| Ohio State Bank | $484.0M | CBLR | NA | NA | NA | 11.69% |
| Peoples Independent Bank | $485.7M | Risk-based | 14.06% | 14.06% | 14.67% | 9.41% |
| Eclipse Bank, Inc. | $485.7M | CBLR | NA | NA | NA | 9.47% |
| Planters First Bank | $485.7M | Risk-based | 14.11% | 14.11% | 15.37% | 10.71% |
| First Federal Savings Bank of Lincolnton | $485.8M | Risk-based | 34.30% | 34.30% | 35.55% | 17.61% |
| Osgood Bank | $485.8M | Risk-based | 12.98% | 12.98% | 14.23% | 9.86% |
| Raccoon Valley Bank | $486.0M | Risk-based | 11.47% | 11.47% | 12.72% | 9.57% |
| Peer 25th percentile | 13.12% | 13.12% | 14.34% | 9.47% | ||
| Peer median | 13.81% | 13.81% | 14.72% | 9.86% | ||
| Peer 75th percentile | 14.10% | 14.10% | 15.22% | 11.69% | ||
| 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/3116519/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.