ANB Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.43% (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: 7.43% (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 14.59% +8.09 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 | $274.3M | 274,320 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.88B | 1,880,089 | RCOAA223 |
| Recomputed ratio | 14.59% | numerator / denominator | |
| Filed ratio | 14.59% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.09 pp | $152.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.59% +6.59 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 | $274.3M | 274,320 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.88B | 1,880,089 | RCOAA223 |
| Recomputed ratio | 14.59% | numerator / denominator | |
| Filed ratio | 14.59% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.59 pp | $123.9M | capital that could be lost first |
Total risk-based capital ratio 15.43% +5.43 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 | $290.2M | 290,179 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.88B | 1,880,089 | RCOAA223 |
| Recomputed ratio | 15.43% | numerator / denominator | |
| Filed ratio | 15.43% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.43 pp | $102.2M | capital that could be lost first |
Tier 1 leverage ratio 9.52% +4.52 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 | $274.3M | 274,320 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.88B | 2,880,105 | RCOAA224 |
| Recomputed ratio | 9.52% | numerator / denominator | |
| Filed ratio | 9.52% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.52 pp | $130.3M | 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 | 247,011 | 247,011 | 247,011 | 247,011 | 247,011 | 247,011 | RCOAP742 |
| Retained earnings | 27,309 | 19,695 | 14,725 | 6,313 | 512 | 9,290 | RCOAKW00 |
| Accumulated other comprehensive income | (70,386) | (75,159) | (80,404) | (85,715) | (91,484) | (98,076) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 203,934 | 191,547 | 181,332 | 167,609 | 156,039 | 158,225 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 70,386 | 75,159 | 80,404 | 85,715 | 91,484 | 98,076 | P859 - P840 |
| Common equity Tier 1 capital | 274,320 | 266,706 | 261,736 | 253,324 | 247,523 | 256,301 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 274,320 | 266,706 | 261,736 | 253,324 | 247,523 | 256,301 | RCOA8274 |
| Tier 2 capital | 15,859 | 17,123 | 16,190 | 17,430 | 16,958 | 16,817 | RCOA5311 |
| Allowance includable in Tier 2 capital | 15,859 | 17,123 | 16,190 | 17,430 | 16,958 | 16,817 | RCOA5310 |
| Total capital | 290,179 | 283,829 | 277,926 | 270,754 | 264,481 | 273,118 | RCOA3792 |
| Total risk-weighted assets | 1,880,089 | 1,879,304 | 1,947,930 | 1,957,828 | 1,953,886 | 1,967,746 | RCOAA223 |
| Average total assets for the leverage ratio | 2,880,105 | 2,966,018 | 2,944,799 | 2,928,793 | 2,970,288 | 2,941,824 | 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 | $161.0M | $4.1M | 2.54% | 0.22% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $811.7M | $241.8M | 29.79% | 12.86% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $84.4M | $1.7M | 1.96% | 0.09% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $573.9M | $304.4M | 53.05% | 16.19% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $6.5M | $9.5M | 145.15% | 0.50% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.19B | $1.05B | 88.41% | 55.78% | RC-R Part II, item 4.d, 5.d |
| All other assets | $200.5M | $192.2M | 95.88% | 10.22% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $91.9M | $77.6M | 84.53% | 4.13% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1K | 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 | $1.88B | ties to item 31 ($1.88B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.88B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.88B | 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 | 14.59% | 14.59% | 15.43% | 9.52% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 14.19% | 14.19% | 15.10% | 8.99% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.44% | 13.44% | 14.27% | 8.89% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.94% | 12.94% | 13.83% | 8.65% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.67% | 12.67% | 13.54% | 8.33% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.03% | 13.03% | 13.88% | 8.71% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.68% | 12.68% | 13.53% | 8.36% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.85% | 13.85% | 14.66% | 9.25% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.51% | 13.51% | 14.29% | 9.08% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.59% | 13.59% | 14.35% | 8.75% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.90% | 12.90% | 13.65% | 8.49% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.91% | 13.91% | 14.67% | 8.94% | 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 |
|---|---|---|---|---|---|---|
| ANB Bank (this bank) | Risk-based | 14.59% | 14.59% | 15.43% | 9.52% | |
| Lakeside Bank | $2.85B | Risk-based | 12.41% | 12.41% | 13.56% | 10.99% |
| 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% |
| American Momentum Bank | $2.85B | Risk-based | 24.90% | 24.90% | 26.06% | 19.24% |
| BayCoast Bank | $2.86B | Risk-based | 10.77% | 10.77% | 12.02% | 8.29% |
| Armstrong Bank | $2.84B | Risk-based | 13.89% | 13.89% | 14.97% | 10.42% |
| Habib American Bank | $2.84B | Risk-based | 12.79% | 12.79% | 14.03% | 8.49% |
| Medallion Bank | $2.83B | Risk-based | 13.12% | 16.80% | 18.08% | 16.92% |
| Peer 25th percentile | 12.79% | 12.79% | 14.03% | 9.82% | ||
| Peer median | 13.22% | 13.89% | 14.97% | 10.99% | ||
| Peer 75th percentile | 17.53% | 17.53% | 18.27% | 17.26% | ||
| This bank's percentile | 67 | 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/828651/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.