American Federal Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.17% (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: 6.17% (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 12.92% +6.42 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 | $72.6M | 72,578 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $561.9M | 561,934 | RCOAA223 |
| Recomputed ratio | 12.92% | numerator / denominator | |
| Filed ratio | 12.92% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.42 pp | $36.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.92% +4.92 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 | $72.6M | 72,578 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $561.9M | 561,934 | RCOAA223 |
| Recomputed ratio | 12.92% | numerator / denominator | |
| Filed ratio | 12.92% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.92 pp | $27.6M | capital that could be lost first |
Total risk-based capital ratio 14.17% +4.17 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 | $79.6M | 79,608 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $561.9M | 561,934 | RCOAA223 |
| Recomputed ratio | 14.17% | numerator / denominator | |
| Filed ratio | 14.17% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.17 pp | $23.4M | capital that could be lost first |
Tier 1 leverage ratio 9.32% +4.32 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 | $72.6M | 72,578 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $779.1M | 779,146 | RCOAA224 |
| Recomputed ratio | 9.32% | numerator / denominator | |
| Filed ratio | 9.32% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.32 pp | $33.6M | 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 | 13,450 | 13,450 | 13,450 | 13,450 | 13,450 | 13,450 | RCOAP742 |
| Retained earnings | 59,128 | 56,726 | 54,989 | 62,891 | 60,321 | 58,144 | RCOAKW00 |
| Accumulated other comprehensive income | (1,243) | (1,109) | (1,254) | (1,498) | (1,438) | (1,554) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 71,335 | 69,067 | 67,185 | 74,843 | 72,333 | 70,040 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,243 | 1,109 | 1,254 | 1,498 | 1,438 | 1,554 | P859 - P840 |
| Common equity Tier 1 capital | 72,578 | 70,176 | 68,439 | 76,341 | 73,771 | 71,594 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 72,578 | 70,176 | 68,439 | 76,341 | 73,771 | 71,594 | RCOA8274 |
| Tier 2 capital | 7,030 | 6,790 | 7,010 | 6,954 | 6,844 | 7,014 | RCOA5311 |
| Allowance includable in Tier 2 capital | 7,030 | 6,790 | 7,010 | 6,954 | 6,844 | 7,014 | RCOA5310 |
| Total capital | 79,608 | 76,966 | 75,449 | 83,295 | 80,615 | 78,608 | RCOA3792 |
| Total risk-weighted assets | 561,934 | 542,744 | 560,554 | 556,003 | 547,071 | 560,808 | RCOAA223 |
| Average total assets for the leverage ratio | 779,146 | 774,353 | 771,599 | 767,272 | 754,865 | 782,800 | 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 | $10.1M | $1.3M | 12.65% | 0.23% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $77.0M | $288K | 0.37% | 0.05% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $273.9M | $143.6M | 52.45% | 25.54% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $172K | $258K | 150.00% | 0.05% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $411.2M | $385.0M | 93.63% | 68.44% | RC-R Part II, item 4.d, 5.d |
| All other assets | $31.9M | $31.4M | 98.41% | 5.59% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $591K | $591K | 100.00% | 0.11% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $700 | 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 | $562.5M | ties to item 31 ($562.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $562.5M | RCONB704 |
| Less: excess allowance for credit losses | $529K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $561.9M | 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 | 12.92% | 12.92% | 14.17% | 9.32% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.93% | 12.93% | 14.18% | 9.06% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.21% | 12.21% | 13.46% | 8.87% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.73% | 13.73% | 14.98% | 9.95% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.48% | 13.48% | 14.74% | 9.77% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.77% | 12.77% | 14.02% | 9.15% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.96% | 11.96% | 13.21% | 8.74% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.57% | 11.57% | 12.78% | 8.48% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.55% | 11.55% | 12.76% | 8.72% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.53% | 11.53% | 12.74% | 8.53% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.31% | 11.31% | 12.51% | 8.40% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.43% | 12.43% | 13.55% | 9.18% | 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 Federal Bank (this bank) | Risk-based | 12.92% | 12.92% | 14.17% | 9.32% | |
| The Pitney Bowes Bank Inc. | $796.3M | CBLR | NA | NA | NA | 12.37% |
| First Community Bank | $794.4M | CBLR | NA | NA | NA | 10.36% |
| Decorah Bank and Trust Company | $794.1M | Risk-based | 13.13% | 13.13% | 14.38% | 10.41% |
| Farmers Bank & Trust Company | $794.0M | Risk-based | 11.43% | 11.43% | 12.16% | 9.24% |
| The New Washington State Bank | $798.1M | CBLR | NA | NA | NA | 9.33% |
| River Valley Community Bank | $793.1M | Risk-based | 13.82% | 13.82% | 14.90% | 8.73% |
| First Western Bank | $792.7M | Risk-based | 11.88% | 11.88% | 12.90% | 8.90% |
| Primebank | $800.6M | Risk-based | 12.41% | 12.41% | 13.47% | 10.99% |
| Sauk Valley Bank & Trust Company | $790.8M | Risk-based | 11.49% | 11.49% | 12.74% | 8.84% |
| Farmers State Bank | $790.3M | Risk-based | 12.15% | 12.15% | 13.40% | 8.84% |
| Peer 25th percentile | 11.69% | 11.69% | 12.82% | 8.86% | ||
| Peer median | 12.15% | 12.15% | 13.40% | 9.28% | ||
| Peer 75th percentile | 12.77% | 12.77% | 13.92% | 10.40% | ||
| This bank's percentile | 71 | 71 | 71 | 50 |
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/637170/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.