American Savings Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.59% (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: 6.59% (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 13.49% +6.99 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 | $822.5M | 822,541 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.10B | 6,095,794 | RCOAA223 |
| Recomputed ratio | 13.49% | numerator / denominator | |
| Filed ratio | 13.49% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.99 pp | $426.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.49% +5.49 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 | $822.5M | 822,546 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.10B | 6,095,794 | RCOAA223 |
| Recomputed ratio | 13.49% | numerator / denominator | |
| Filed ratio | 13.49% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.49 pp | $334.9M | capital that could be lost first |
Total risk-based capital ratio 14.59% +4.59 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 | $889.3M | 889,281 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.10B | 6,095,794 | RCOAA223 |
| Recomputed ratio | 14.59% | numerator / denominator | |
| Filed ratio | 14.59% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.59 pp | $279.7M | capital that could be lost first |
Tier 1 leverage ratio 9.10% +4.10 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 | $822.5M | 822,546 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $9.03B | 9,034,632 | RCOAA224 |
| Recomputed ratio | 9.10% | numerator / denominator | |
| Filed ratio | 9.10% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.10 pp | $370.8M | 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 | 359,713 | 359,713 | 359,713 | 359,713 | 359,713 | 359,713 | RCOAP742 |
| Retained earnings | 466,896 | 457,226 | 446,178 | 434,825 | 414,864 | 389,158 | RCOAKW00 |
| Accumulated other comprehensive income | (134,118) | (135,474) | (136,020) | (149,397) | (157,611) | (164,896) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 692,491 | 681,465 | 669,871 | 645,141 | 616,966 | 583,975 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 130,050 | 131,406 | 131,952 | 145,143 | 153,357 | 160,642 | P859 - P840 |
| Common equity Tier 1 capital | 822,541 | 812,871 | 801,823 | 790,284 | 770,323 | 744,617 | RCOAP859 |
| Additional Tier 1 capital | 5 | 5 | 5 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 822,546 | 812,876 | 801,828 | 790,284 | 770,323 | 744,617 | RCOA8274 |
| Tier 2 capital | 66,735 | 63,492 | 62,757 | 61,208 | 70,128 | 69,254 | RCOA5311 |
| Allowance includable in Tier 2 capital | 66,735 | 63,492 | 62,757 | 61,208 | 70,128 | 69,254 | RCOA5310 |
| Total capital | 889,281 | 876,368 | 864,585 | 851,492 | 840,451 | 813,871 | RCOA3792 |
| Total risk-weighted assets | 6,095,794 | 6,024,954 | 5,956,130 | 6,001,428 | 6,020,771 | 6,040,277 | RCOAA223 |
| Average total assets for the leverage ratio | 9,034,632 | 9,002,495 | 8,913,565 | 8,851,658 | 8,919,162 | 9,494,334 | 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 | $228.9M | $7.4M | 3.23% | 0.12% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $2.12B | $366.6M | 17.25% | 6.01% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $3.66B | $2.08B | 56.76% | 34.06% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $4.0M | $6.0M | 150.00% | 0.10% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.58B | $2.57B | 99.53% | 42.14% | RC-R Part II, item 4.d, 5.d |
| All other assets | $541.8M | $585.8M | 108.13% | 9.61% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $340.4M | $332.0M | 97.53% | 5.45% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $21K | $10K | 50.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $152.9M | NA | 2.51% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $5.94B | ties to item 31 ($5.94B) |
|---|---|---|
| Risk-weighted assets before deductions | $6.10B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $6.10B | 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 | 13.49% | 13.49% | 14.59% | 9.10% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.49% | 13.49% | 14.55% | 9.03% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.46% | 13.46% | 14.52% | 9.00% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.17% | 13.17% | 14.19% | 8.93% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.79% | 12.79% | 13.96% | 8.64% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.33% | 12.33% | 13.47% | 7.84% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.68% | 13.68% | 14.71% | 8.86% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.50% | 13.50% | 14.55% | 8.65% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.16% | 13.16% | 14.24% | 8.36% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.70% | 12.70% | 13.84% | 8.03% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.27% | 12.27% | 13.38% | 7.68% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.15% | 12.15% | 13.29% | 7.69% | 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 Savings Bank, N.A. (this bank) | Risk-based | 13.49% | 13.49% | 14.59% | 9.10% | |
| Woodforest National Bank | $8.98B | Risk-based | 11.27% | 11.27% | 12.52% | 9.35% |
| Merrick Bank | $9.13B | Risk-based | 16.80% | 16.80% | 18.21% | 16.59% |
| First Mid Bank & Trust, N.A. | $9.14B | Risk-based | 13.58% | 13.58% | 14.66% | 10.70% |
| Pinnacle Bank | $9.18B | Risk-based | 12.35% | 12.35% | 13.48% | 9.92% |
| b1BANK | $8.89B | Risk-based | 12.33% | 12.33% | 13.20% | 10.91% |
| The Bancorp Bank N.A. | $9.21B | Risk-based | 14.27% | 14.27% | 15.32% | 9.09% |
| First American Trust, FSB | $9.23B | Risk-based | 33.45% | 33.45% | 33.45% | 7.89% |
| Union Bank and Trust Company | $9.24B | Risk-based | 12.70% | 12.71% | 13.96% | 10.65% |
| Metropolitan Commercial Bank | $8.86B | Risk-based | 12.91% | 12.91% | 13.73% | 11.07% |
| Peer 25th percentile | 12.35% | 12.35% | 13.48% | 9.35% | ||
| Peer median | 12.91% | 12.91% | 13.96% | 10.65% | ||
| Peer 75th percentile | 14.27% | 14.27% | 15.32% | 10.91% | ||
| This bank's percentile | 56 | 56 | 56 | 22 |
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/54973/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.