Apex Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 16.46% (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: 16.46% (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 23.20% +16.70 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 | $207.8M | 207,802 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $895.5M | 895,526 | RCOAA223 |
| Recomputed ratio | 23.20% | numerator / denominator | |
| Filed ratio | 23.20% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +16.70 pp | $149.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 23.20% +15.20 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 | $207.8M | 207,802 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $895.5M | 895,526 | RCOAA223 |
| Recomputed ratio | 23.20% | numerator / denominator | |
| Filed ratio | 23.20% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +15.20 pp | $136.2M | capital that could be lost first |
Total risk-based capital ratio 24.46% +14.46 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 | $219.0M | 219,011 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $895.5M | 895,526 | RCOAA223 |
| Recomputed ratio | 24.46% | numerator / denominator | |
| Filed ratio | 24.46% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +14.46 pp | $129.5M | capital that could be lost first |
Tier 1 leverage ratio 14.46% +9.46 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 | $207.8M | 207,802 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.44B | 1,436,643 | RCOAA224 |
| Recomputed ratio | 14.46% | numerator / denominator | |
| Filed ratio | 14.46% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +9.46 pp | $136.0M | 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 | 36,659 | 36,659 | 36,659 | 36,659 | 36,659 | 36,659 | RCOAP742 |
| Retained earnings | 182,125 | 174,976 | 166,638 | 182,875 | 173,615 | 164,941 | RCOAKW00 |
| Accumulated other comprehensive income | 8 | (10) | 121 | 70 | 194 | 192 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 218,792 | 211,625 | 203,418 | 219,604 | 210,468 | 201,792 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (10,990) | (11,139) | (11,436) | (11,553) | (11,846) | (10,343) | P859 - P840 |
| Common equity Tier 1 capital | 207,802 | 200,486 | 191,982 | 208,051 | 198,622 | 191,449 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 207,802 | 200,486 | 191,982 | 208,051 | 198,622 | 191,449 | RCOA8274 |
| Tier 2 capital | 11,209 | 10,990 | 10,749 | 10,376 | 10,273 | 10,545 | RCOA5311 |
| Allowance includable in Tier 2 capital | 11,209 | 10,990 | 10,749 | 10,376 | 10,273 | 10,545 | RCOA5310 |
| Total capital | 219,011 | 211,476 | 202,731 | 218,427 | 208,895 | 201,994 | RCOA3792 |
| Total risk-weighted assets | 895,526 | 878,128 | 859,231 | 828,518 | 820,202 | 842,180 | RCOAA223 |
| Average total assets for the leverage ratio | 1,436,643 | 1,387,143 | 1,355,135 | 1,323,557 | 1,341,640 | 1,297,181 | 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 | $108.1M | $3.3M | 3.08% | 0.37% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $29.4M | $27.2M | 92.52% | 3.03% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $1.00B | $529.3M | 52.87% | 59.03% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $5.8M | $8.6M | 150.00% | 0.96% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $197.6M | $195.5M | 98.95% | 21.80% | RC-R Part II, item 4.d, 5.d |
| All other assets | $115.7M | $108.9M | 94.13% | 12.15% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $37.0M | $23.8M | 64.43% | 2.66% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $100 | 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 | $896.7M | ties to item 31 ($896.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $896.7M | RCONB704 |
| Less: excess allowance for credit losses | $1.2M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $895.5M | 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 | 23.20% | 23.20% | 24.46% | 14.46% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 22.83% | 22.83% | 24.08% | 14.45% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 22.34% | 22.34% | 23.59% | 14.17% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 25.11% | 25.11% | 26.36% | 15.72% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 24.22% | 24.22% | 25.47% | 14.80% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 22.73% | 22.73% | 23.98% | 14.76% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 24.11% | 24.11% | 25.36% | 14.48% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 25.59% | 25.59% | 26.84% | 15.39% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 24.65% | 24.65% | 25.91% | 14.40% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 24.48% | 24.48% | 25.73% | 13.45% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 23.29% | 23.29% | 24.55% | 12.91% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 24.55% | 24.55% | 25.80% | 13.55% | 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 |
|---|---|---|---|---|---|---|
| Apex Bank (this bank) | Risk-based | 23.20% | 23.20% | 24.46% | 14.46% | |
| Pegasus Bank | $1.46B | Risk-based | 16.40% | 16.40% | 17.51% | 11.41% |
| Ameriserv Financial Bank | $1.46B | CBLR | NA | NA | NA | 9.46% |
| Northwest Bank | $1.45B | CBLR | NA | NA | NA | 16.57% |
| North State Bank | $1.46B | Risk-based | 11.34% | 11.34% | 12.07% | 8.50% |
| Central Bank Illinois | $1.46B | CBLR | NA | NA | NA | 10.39% |
| Malaga Bank, FSB | $1.45B | Risk-based | 27.47% | 27.47% | 27.91% | 16.76% |
| American State Bank | $1.45B | Risk-based | 11.78% | 11.78% | 13.03% | 10.81% |
| Riverview Bank | $1.47B | Risk-based | 14.39% | 14.39% | 15.64% | 10.96% |
| Bankers' Bank | $1.47B | Risk-based | 15.86% | 15.86% | 17.02% | 14.70% |
| Peer 25th percentile | 12.43% | 12.43% | 13.69% | 10.39% | ||
| Peer median | 15.13% | 15.13% | 16.33% | 10.96% | ||
| Peer 75th percentile | 16.26% | 16.26% | 17.39% | 14.70% | ||
| This bank's percentile | 83 | 83 | 83 | 67 |
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/51253/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.