Anthem Bank & Trust: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 40.42% (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: 40.42% (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 47.17% +40.67 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 | $69.6M | 69,631 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $147.6M | 147,615 | RCOAA223 |
| Recomputed ratio | 47.17% | numerator / denominator | |
| Filed ratio | 47.17% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +40.67 pp | $60.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 47.17% +39.17 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 | $69.6M | 69,631 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $147.6M | 147,615 | RCOAA223 |
| Recomputed ratio | 47.17% | numerator / denominator | |
| Filed ratio | 47.17% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +39.17 pp | $57.8M | capital that could be lost first |
Total risk-based capital ratio 48.42% +38.42 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 | $71.5M | 71,476 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $147.6M | 147,615 | RCOAA223 |
| Recomputed ratio | 48.42% | numerator / denominator | |
| Filed ratio | 48.42% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +38.42 pp | $56.7M | capital that could be lost first |
Tier 1 leverage ratio 29.90% +24.90 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 | $69.6M | 69,631 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $232.9M | 232,860 | RCOAA224 |
| Recomputed ratio | 29.90% | numerator / denominator | |
| Filed ratio | 29.90% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +24.90 pp | $58.0M | 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 | 64,859 | 10,859 | 10,859 | 10,859 | 10,859 | 10,859 | RCOAP742 |
| Retained earnings | 4,772 | 10,789 | 10,649 | 10,619 | 10,171 | 9,885 | RCOAKW00 |
| Accumulated other comprehensive income | (485) | (233) | 40 | (60) | (152) | (281) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 69,146 | 21,415 | 21,548 | 21,418 | 20,878 | 20,463 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 485 | 233 | (40) | 60 | 152 | 281 | P859 - P840 |
| Common equity Tier 1 capital | 69,631 | 21,648 | 21,508 | 21,478 | 21,030 | 20,744 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 69,631 | 21,648 | 21,508 | 21,478 | 21,030 | 20,744 | RCOA8274 |
| Tier 2 capital | 1,845 | 1,558 | 1,593 | 1,585 | 1,515 | 1,506 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,845 | 1,558 | 1,593 | 1,585 | 1,515 | 1,506 | RCOA5310 |
| Total capital | 71,476 | 23,206 | 23,101 | 23,063 | 22,545 | 22,250 | RCOA3792 |
| Total risk-weighted assets | 147,615 | 124,442 | 127,268 | 126,640 | 120,945 | 120,233 | RCOAA223 |
| Average total assets for the leverage ratio | 232,860 | 195,224 | 193,224 | 189,808 | 188,844 | 206,502 | 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 | $5.3M | $40K | 0.75% | 0.03% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $84.8M | $1.4M | 1.63% | 0.94% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $7.6M | $1.5M | 20.00% | 1.04% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $22.5M | $11.8M | 52.41% | 7.99% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.2M | $1.8M | 150.00% | 1.23% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $121.3M | $121.3M | 100.00% | 82.20% | RC-R Part II, item 4.d, 5.d |
| All other assets | $9.7M | $8.4M | 86.74% | 5.69% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.0M | $1.0M | 100.00% | 0.70% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $293K | NA | 0.20% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $147.3M | does not tie to item 31 ($147.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $147.6M | RCONB704 |
| Less: excess allowance for credit losses | $9K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $147.6M | 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 | 47.17% | 47.17% | 48.42% | 29.90% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 17.40% | 17.40% | 18.65% | 11.09% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 16.90% | 16.90% | 18.15% | 11.13% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 16.96% | 16.96% | 18.21% | 11.32% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 17.39% | 17.39% | 18.64% | 11.14% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 17.25% | 17.25% | 18.51% | 10.05% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.85% | 14.85% | 16.10% | 9.90% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.96% | 14.96% | 16.18% | 9.82% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.04% | 14.04% | 15.14% | 9.90% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.43% | 15.43% | 16.60% | 10.64% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.43% | 15.43% | 16.62% | 11.03% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.69% | 14.69% | 15.79% | 10.86% | 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 |
|---|---|---|---|---|---|---|
| Anthem Bank & Trust (this bank) | Risk-based | 47.17% | 47.17% | 48.42% | 29.90% | |
| Community Bank of Marshall | $250.2M | CBLR | NA | NA | NA | 10.03% |
| The City National Bank of Taylor | $250.3M | CBLR | NA | NA | NA | 12.90% |
| Citizens Bank | $250.4M | Risk-based | 11.68% | 11.68% | 12.91% | 8.09% |
| First National Bank in Trinidad | $250.5M | CBLR | NA | NA | NA | 10.89% |
| Denver Savings Bank | $250.6M | CBLR | NA | NA | NA | 10.84% |
| Quoin Financial Bank | $250.7M | Risk-based | 12.27% | 12.27% | 12.79% | 7.89% |
| First National Bank of Burleson | $250.8M | CBLR | NA | NA | NA | 12.59% |
| Bank of Alapaha | $251.0M | Risk-based | 19.50% | 19.50% | 20.76% | 10.23% |
| Bank of Grand Lake | $249.1M | Risk-based | 16.89% | 16.89% | 17.54% | 10.12% |
| First National Bank USA | $249.1M | CBLR | NA | NA | NA | 14.06% |
| Peer 25th percentile | 12.12% | 12.12% | 12.88% | 10.05% | ||
| Peer median | 14.58% | 14.58% | 15.23% | 10.53% | ||
| Peer 75th percentile | 17.54% | 17.54% | 18.35% | 12.16% | ||
| 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/527178/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.