American Riviera Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.56% (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: 5.56% (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 12.40% +5.90 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 | $157.0M | 156,979 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.27B | 1,266,239 | RCOAA223 |
| Recomputed ratio | 12.40% | numerator / denominator | |
| Filed ratio | 12.40% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.90 pp | $74.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.40% +4.40 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 | $157.0M | 156,979 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.27B | 1,266,239 | RCOAA223 |
| Recomputed ratio | 12.40% | numerator / denominator | |
| Filed ratio | 12.40% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.40 pp | $55.7M | capital that could be lost first |
Total risk-based capital ratio 13.56% +3.56 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 | $171.7M | 171,687 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.27B | 1,266,239 | RCOAA223 |
| Recomputed ratio | 13.56% | numerator / denominator | |
| Filed ratio | 13.56% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.56 pp | $45.1M | capital that could be lost first |
Tier 1 leverage ratio 11.25% +6.25 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 | $157.0M | 156,979 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.40B | 1,395,078 | RCOAA224 |
| Recomputed ratio | 11.25% | numerator / denominator | |
| Filed ratio | 11.25% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.25 pp | $87.2M | 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 | 75,545 | 75,226 | 75,628 | 75,331 | 75,028 | 74,808 | RCOAP742 |
| Retained earnings | 86,306 | 82,693 | 78,485 | 73,669 | 80,467 | 77,547 | RCOAKW00 |
| Accumulated other comprehensive income | (14,005) | (13,861) | (13,923) | (14,715) | (17,948) | (18,142) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 147,846 | 144,058 | 140,190 | 134,285 | 137,547 | 134,213 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 9,133 | 8,989 | 9,053 | 9,831 | 13,049 | 13,211 | P859 - P840 |
| Common equity Tier 1 capital | 156,979 | 153,047 | 149,243 | 144,116 | 150,596 | 147,424 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 156,979 | 153,047 | 149,243 | 144,116 | 150,596 | 147,424 | RCOA8274 |
| Tier 2 capital | 14,708 | 13,689 | 13,665 | 13,906 | 13,491 | 12,990 | RCOA5311 |
| Allowance includable in Tier 2 capital | 14,708 | 13,689 | 13,665 | 13,906 | 13,491 | 12,990 | RCOA5310 |
| Total capital | 171,687 | 166,736 | 162,908 | 158,022 | 164,087 | 160,414 | RCOA3792 |
| Total risk-weighted assets | 1,266,239 | 1,206,113 | 1,190,587 | 1,147,640 | 1,120,985 | 1,105,181 | RCOAA223 |
| Average total assets for the leverage ratio | 1,395,078 | 1,371,890 | 1,414,076 | 1,348,440 | 1,278,168 | 1,276,294 | 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 | $28.0M | $1.9M | 6.91% | 0.15% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $218.0M | $48.0M | 22.00% | 3.79% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $223.2M | $122.4M | 54.84% | 9.67% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $5.6M | $8.4M | 150.00% | 0.67% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $924.9M | $909.1M | 98.30% | 71.80% | RC-R Part II, item 4.d, 5.d |
| All other assets | $62.3M | $56.5M | 90.79% | 4.46% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $113.3M | $113.3M | 100.00% | 8.95% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $6.5M | NA | 0.52% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.26B | ties to item 31 ($1.26B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.27B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.27B | 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 | 12.40% | 12.40% | 13.56% | 11.25% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.69% | 12.69% | 13.82% | 11.16% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.54% | 12.54% | 13.68% | 10.55% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.56% | 12.56% | 13.77% | 10.69% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.43% | 13.43% | 14.64% | 11.78% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.34% | 13.34% | 14.51% | 11.55% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.21% | 13.21% | 14.36% | 11.17% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.93% | 12.93% | 14.05% | 11.15% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.85% | 12.85% | 13.99% | 11.00% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.76% | 12.76% | 13.90% | 10.82% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.62% | 12.62% | 13.77% | 10.62% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.14% | 12.14% | 13.28% | 10.12% | 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 Riviera Bank (this bank) | Risk-based | 12.40% | 12.40% | 13.56% | 11.25% | |
| Marquette Savings Bank | $1.44B | CBLR | NA | NA | NA | 13.58% |
| The Union Bank Company | $1.44B | Risk-based | 15.13% | 15.13% | 16.12% | 10.78% |
| Watertown Savings Bank | $1.44B | Risk-based | 28.39% | 28.39% | 28.71% | 12.03% |
| American State Bank | $1.45B | Risk-based | 11.78% | 11.78% | 13.03% | 10.81% |
| Citizens Alliance Bank | $1.44B | Risk-based | 12.58% | 12.58% | 13.60% | 9.81% |
| Malaga Bank, FSB | $1.45B | Risk-based | 27.47% | 27.47% | 27.91% | 16.76% |
| Washington Financial Bank | $1.44B | CBLR | NA | NA | NA | 14.75% |
| Relyance Bank | $1.43B | Risk-based | 14.69% | 14.69% | 15.77% | 13.27% |
| Peer 25th percentile | 13.11% | 13.11% | 14.14% | 10.80% | ||
| Peer median | 14.91% | 14.91% | 15.95% | 12.65% | ||
| Peer 75th percentile | 24.39% | 24.39% | 24.96% | 13.87% | ||
| This bank's percentile | 17 | 17 | 17 | 38 |
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/3388482/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.