Anchor D Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.97% (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: 4.97% (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 12.02% +5.52 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 | $41.0M | 41,033 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $341.3M | 341,340 | RCOAA223 |
| Recomputed ratio | 12.02% | numerator / denominator | |
| Filed ratio | 12.02% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.52 pp | $18.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.02% +4.02 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 | $41.0M | 41,033 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $341.3M | 341,340 | RCOAA223 |
| Recomputed ratio | 12.02% | numerator / denominator | |
| Filed ratio | 12.02% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.02 pp | $13.7M | capital that could be lost first |
Total risk-based capital ratio 12.97% +2.97 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 | $44.3M | 44,257 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $341.3M | 341,340 | RCOAA223 |
| Recomputed ratio | 12.97% | numerator / denominator | |
| Filed ratio | 12.97% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.97 pp | $10.1M | capital that could be lost first |
Tier 1 leverage ratio 10.53% +5.53 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 | $41.0M | 41,033 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $389.7M | 389,710 | RCOAA224 |
| Recomputed ratio | 10.53% | numerator / denominator | |
| Filed ratio | 10.53% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.53 pp | $21.5M | 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 | 7,300 | 7,300 | 7,300 | 7,300 | 7,300 | 7,300 | RCOAP742 |
| Retained earnings | 33,733 | 32,942 | 31,096 | 31,147 | 30,488 | 29,785 | RCOAKW00 |
| Accumulated other comprehensive income | (159) | (2,267) | (71) | (2,126) | (3,731) | (3,791) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 40,874 | 37,975 | 38,325 | 36,321 | 34,057 | 33,294 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 159 | 2,267 | 71 | 2,126 | 3,731 | 3,791 | P859 - P840 |
| Common equity Tier 1 capital | 41,033 | 40,242 | 38,396 | 38,447 | 37,788 | 37,085 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 41,033 | 40,242 | 38,396 | 38,447 | 37,788 | 37,085 | RCOA8274 |
| Tier 2 capital | 3,224 | 3,224 | 3,205 | 3,211 | 3,237 | 3,168 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,224 | 3,224 | 3,205 | 3,211 | 3,237 | 3,168 | RCOA5310 |
| Total capital | 44,257 | 43,466 | 41,601 | 41,658 | 41,025 | 40,253 | RCOA3792 |
| Total risk-weighted assets | 341,340 | 310,350 | 328,405 | 300,554 | 298,666 | 302,306 | RCOAA223 |
| Average total assets for the leverage ratio | 389,710 | 394,956 | 378,715 | 372,277 | 372,350 | 369,981 | 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 | $8.5M | $1.7M | 20.00% | 0.50% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $130.1M | $70.4M | 54.09% | 20.62% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $8.0M | $1.6M | 20.00% | 0.47% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $26.3M | $13.4M | 51.05% | 3.93% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $208.1M | $208.1M | 100.00% | 60.96% | RC-R Part II, item 4.d, 5.d |
| All other assets | $25.4M | $25.4M | 100.00% | 7.45% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $14.3M | $14.3M | 100.00% | 4.18% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $6.5M | NA | 1.90% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $334.9M | does not tie to item 31 ($341.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $341.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $341.3M | 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 | 12.02% | 12.02% | 12.97% | 10.53% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.97% | 12.97% | 14.01% | 10.19% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.69% | 11.69% | 12.67% | 10.14% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.79% | 12.79% | 13.86% | 10.33% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.65% | 12.65% | 13.74% | 10.15% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.27% | 12.27% | 13.32% | 10.02% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.01% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.41% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.11% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.95% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.45% | 10.45% | 11.21% | 9.77% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.13% | 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 |
|---|---|---|---|---|---|---|
| Anchor D Bank (this bank) | Risk-based | 12.02% | 12.02% | 12.97% | 10.53% | |
| Forte Bank | $404.5M | Risk-based | 12.96% | 12.96% | 14.10% | 10.56% |
| Homebank Texas | $403.0M | Risk-based | 15.19% | 15.19% | 16.37% | 11.59% |
| Founders Bank | $406.0M | CBLR | NA | NA | NA | 14.18% |
| First Trust Bank of Illinois | $406.3M | Risk-based | 15.16% | 15.16% | 15.80% | 10.26% |
| First Citizens Bank | $402.6M | CBLR | NA | NA | NA | 14.30% |
| Hardin County Savings Bank | $402.3M | Risk-based | 13.38% | 13.38% | 14.06% | 9.79% |
| Greenway Bank | $402.3M | Risk-based | 14.33% | 14.33% | 15.21% | 8.50% |
| Bank of the Bluegrass and Trust Co. | $407.0M | CBLR | NA | NA | NA | 10.80% |
| Crown Bank | $402.0M | Risk-based | 11.04% | 11.04% | 12.19% | 8.43% |
| First State Bank | $402.0M | Risk-based | 16.50% | 16.50% | 16.76% | 11.23% |
| Peer 25th percentile | 13.17% | 13.17% | 14.08% | 9.90% | ||
| Peer median | 14.33% | 14.33% | 15.21% | 10.68% | ||
| Peer 75th percentile | 15.18% | 15.18% | 16.08% | 11.50% | ||
| This bank's percentile | 14 | 14 | 14 | 40 |
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/327556/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.