Apollo Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 11.16% (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: 11.16% (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 17.96% +11.46 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 | $23.1M | 23,136 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $128.8M | 128,787 | RCOAA223 |
| Recomputed ratio | 17.96% | numerator / denominator | |
| Filed ratio | 17.96% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +11.46 pp | $14.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 17.96% +9.96 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 | $23.1M | 23,136 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $128.8M | 128,787 | RCOAA223 |
| Recomputed ratio | 17.96% | numerator / denominator | |
| Filed ratio | 17.96% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +9.96 pp | $12.8M | capital that could be lost first |
Total risk-based capital ratio 19.16% +9.16 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 | $24.7M | 24,674 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $128.8M | 128,787 | RCOAA223 |
| Recomputed ratio | 19.16% | numerator / denominator | |
| Filed ratio | 19.16% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +9.16 pp | $11.8M | capital that could be lost first |
Tier 1 leverage ratio 11.05% +6.05 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 | $23.1M | 23,136 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $209.4M | 209,399 | RCOAA224 |
| Recomputed ratio | 11.05% | numerator / denominator | |
| Filed ratio | 11.05% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.05 pp | $12.7M | 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 | 3,700 | 3,700 | 3,700 | 3,700 | 3,700 | 3,700 | RCOAP742 |
| Retained earnings | 19,436 | 19,096 | 18,812 | 18,555 | 18,260 | 18,043 | RCOAKW00 |
| Accumulated other comprehensive income | (889) | (932) | (1,060) | (1,127) | (1,321) | (1,281) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 22,247 | 21,864 | 21,452 | 21,128 | 20,639 | 20,462 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 889 | 932 | 1,060 | 1,127 | 1,320 | 1,281 | P859 - P840 |
| Common equity Tier 1 capital | 23,136 | 22,796 | 22,512 | 22,255 | 21,959 | 21,743 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 23,136 | 22,796 | 22,512 | 22,255 | 21,959 | 21,743 | RCOA8274 |
| Tier 2 capital | 1,538 | 1,527 | 1,546 | 1,530 | 1,513 | 1,416 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,538 | 1,527 | 1,546 | 1,530 | 1,513 | 1,416 | RCOA5310 |
| Total capital | 24,674 | 24,323 | 24,058 | 23,785 | 23,472 | 23,159 | RCOA3792 |
| Total risk-weighted assets | 128,787 | 130,120 | 129,130 | 130,783 | 129,597 | 128,122 | RCOAA223 |
| Average total assets for the leverage ratio | 209,399 | 210,087 | 209,949 | 206,977 | 206,314 | 202,915 | 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 | $3.9M | $51K | 1.29% | 0.04% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $10.8M | $3.1M | 29.10% | 2.44% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $153.1M | $77.6M | 50.70% | 60.27% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $30.7M | $30.7M | 100.00% | 23.80% | RC-R Part II, item 4.d, 5.d |
| All other assets | $13.1M | $11.9M | 90.34% | 9.22% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $5.5M | $5.5M | 100.00% | 4.23% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $500 | 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 | $128.8M | ties to item 31 ($128.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $128.8M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $128.8M | 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 | 17.96% | 17.96% | 19.16% | 11.05% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 17.52% | 17.52% | 18.69% | 10.85% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 17.43% | 17.43% | 18.63% | 10.72% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 17.02% | 17.02% | 18.19% | 10.75% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 16.94% | 16.94% | 18.11% | 10.64% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 16.97% | 16.97% | 18.08% | 10.72% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 17.25% | 17.25% | 18.41% | 10.68% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 16.87% | 16.87% | 17.95% | 10.46% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 16.49% | 16.49% | 17.50% | 10.45% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 16.31% | 16.31% | 17.32% | 10.49% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 16.62% | 16.62% | 17.64% | 10.49% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 16.87% | 16.87% | 17.89% | 10.48% | 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 |
|---|---|---|---|---|---|---|
| Apollo Trust Company (this bank) | Risk-based | 17.96% | 17.96% | 19.16% | 11.05% | |
| Capitol National Bank | $209.3M | CBLR | NA | NA | NA | 16.74% |
| Southern Hills Community Bank | $209.6M | CBLR | NA | NA | NA | 13.77% |
| Esb Bank | $208.9M | CBLR | NA | NA | NA | 9.20% |
| Peoples State Bank of Velva | $210.0M | Risk-based | 12.27% | 12.27% | 13.51% | 9.31% |
| The Portage County Bank | $210.1M | CBLR | NA | NA | NA | 12.69% |
| The Farmers State Bank and Trust Company | $210.1M | CBLR | NA | NA | NA | 13.85% |
| Bank Northwest | $210.3M | CBLR | NA | NA | NA | 9.66% |
| Peru Federal Savings Bank | $208.5M | Risk-based | 31.90% | 31.90% | 32.74% | 16.43% |
| SEI Private Trust Company | $208.5M | Risk-based | 359.17% | 359.17% | 359.17% | 80.40% |
| Kansas State Bank | $208.4M | CBLR | NA | NA | NA | 9.25% |
| Peer 25th percentile | 22.09% | 22.09% | 23.12% | 9.40% | ||
| Peer median | 31.90% | 31.90% | 32.74% | 13.23% | ||
| Peer 75th percentile | 195.54% | 195.54% | 195.96% | 15.78% | ||
| This bank's percentile | 33 | 33 | 33 | 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/368522/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.