American Momentum Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 18.06% (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: 18.06% (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 24.90% +18.40 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 | $522.3M | 522,316 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.10B | 2,097,369 | RCOAA223 |
| Recomputed ratio | 24.90% | numerator / denominator | |
| Filed ratio | 24.90% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +18.40 pp | $386.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 24.90% +16.90 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 | $522.3M | 522,316 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.10B | 2,097,369 | RCOAA223 |
| Recomputed ratio | 24.90% | numerator / denominator | |
| Filed ratio | 24.90% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +16.90 pp | $354.5M | capital that could be lost first |
Total risk-based capital ratio 26.06% +16.06 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 | $546.6M | 546,612 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.10B | 2,097,369 | RCOAA223 |
| Recomputed ratio | 26.06% | numerator / denominator | |
| Filed ratio | 26.06% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +16.06 pp | $336.9M | capital that could be lost first |
Tier 1 leverage ratio 19.24% +14.24 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 | $522.3M | 522,316 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.71B | 2,714,486 | RCOAA224 |
| Recomputed ratio | 19.24% | numerator / denominator | |
| Filed ratio | 19.24% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +14.24 pp | $386.6M | 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 | 289,442 | 289,281 | 289,120 | 288,960 | 288,799 | 288,638 | RCOAP742 |
| Retained earnings | 351,171 | 343,534 | 333,210 | 321,177 | 308,853 | 296,527 | RCOAKW00 |
| Accumulated other comprehensive income | (10,189) | (10,704) | (9,359) | (10,760) | (12,186) | (13,477) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 630,424 | 622,111 | 612,971 | 599,377 | 585,466 | 571,688 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (108,108) | (107,960) | (109,677) | (108,453) | (107,249) | (106,280) | P859 - P840 |
| Common equity Tier 1 capital | 522,316 | 514,151 | 503,294 | 490,924 | 478,217 | 465,408 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 522,316 | 514,151 | 503,294 | 490,924 | 478,217 | 465,408 | RCOA8274 |
| Tier 2 capital | 24,296 | 22,453 | 23,010 | 23,407 | 23,721 | 26,892 | RCOA5311 |
| Allowance includable in Tier 2 capital | 24,296 | 22,453 | 23,010 | 23,407 | 23,721 | 26,892 | RCOA5310 |
| Total capital | 546,612 | 536,604 | 526,304 | 514,331 | 501,938 | 492,300 | RCOA3792 |
| Total risk-weighted assets | 2,097,369 | 1,972,953 | 1,988,143 | 2,094,710 | 2,122,940 | 2,151,157 | RCOAA223 |
| Average total assets for the leverage ratio | 2,714,486 | 2,714,530 | 2,680,394 | 2,656,719 | 2,674,572 | 2,689,114 | 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 | $395.4M | $356K | 0.09% | 0.02% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $260.0M | $60.2M | 23.17% | 2.87% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $477.5M | $243.8M | 51.06% | 11.62% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $159K | $238K | 150.00% | 0.01% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $59.4M | $59.4M | 100.00% | 2.83% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.46B | $1.44B | 99.06% | 68.88% | RC-R Part II, item 4.d, 5.d |
| All other assets | $107.9M | $106.6M | 98.83% | 5.08% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $179.2M | $177.2M | 98.89% | 8.45% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $4.8M | NA | 0.23% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.09B | ties to item 31 ($2.09B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.10B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.10B | 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 | 24.90% | 24.90% | 26.06% | 19.24% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 26.06% | 26.06% | 27.20% | 18.94% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 25.31% | 25.31% | 26.47% | 18.78% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 23.44% | 23.44% | 24.55% | 18.48% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 22.53% | 22.53% | 23.64% | 17.88% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 21.64% | 21.64% | 22.89% | 17.31% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 20.59% | 20.59% | 21.80% | 16.71% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 20.25% | 20.25% | 21.47% | 17.00% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 19.15% | 19.15% | 20.20% | 16.67% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 18.65% | 18.65% | 19.75% | 16.34% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 17.78% | 17.78% | 18.86% | 15.80% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 17.51% | 17.51% | 18.56% | 14.97% | 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 |
|---|---|---|---|---|---|---|
| American Momentum Bank (this bank) | Risk-based | 24.90% | 24.90% | 26.06% | 19.24% | |
| Armstrong Bank | $2.84B | Risk-based | 13.89% | 13.89% | 14.97% | 10.42% |
| Lakeside Bank | $2.85B | Risk-based | 12.41% | 12.41% | 13.56% | 10.99% |
| Habib American Bank | $2.84B | Risk-based | 12.79% | 12.79% | 14.03% | 8.49% |
| ANB Bank | $2.85B | Risk-based | 14.59% | 14.59% | 15.43% | 9.52% |
| Medallion Bank | $2.83B | Risk-based | 13.12% | 16.80% | 18.08% | 16.92% |
| Industrial and Commercial Bank of China (USA), N.A. | $2.86B | Risk-based | 17.53% | 17.53% | 18.27% | 17.26% |
| Bank Independent | $2.86B | Risk-based | 13.22% | 13.22% | 14.42% | 9.82% |
| WebBank | $2.86B | Risk-based | 18.10% | 18.10% | 19.18% | 17.39% |
| BayCoast Bank | $2.86B | Risk-based | 10.77% | 10.77% | 12.02% | 8.29% |
| Emprise Bank | $2.82B | Risk-based | 10.22% | 10.22% | 11.43% | 7.69% |
| Peer 25th percentile | 12.50% | 12.50% | 13.68% | 8.75% | ||
| Peer median | 13.17% | 13.55% | 14.70% | 10.12% | ||
| Peer 75th percentile | 14.42% | 16.25% | 17.42% | 15.44% | ||
| This bank's percentile | 100 | 100 | 100 | 100 |
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/3447576/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.