Arbor Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.06% (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: 4.06% (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 11.02% +4.52 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 | $62.1M | 62,095 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $563.6M | 563,643 | RCOAA223 |
| Recomputed ratio | 11.02% | numerator / denominator | |
| Filed ratio | 11.02% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.52 pp | $25.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.02% +3.02 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 | $62.1M | 62,095 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $563.6M | 563,643 | RCOAA223 |
| Recomputed ratio | 11.02% | numerator / denominator | |
| Filed ratio | 11.02% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.02 pp | $17.0M | capital that could be lost first |
Total risk-based capital ratio 12.06% +2.06 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 | $68.0M | 67,994 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $563.6M | 563,643 | RCOAA223 |
| Recomputed ratio | 12.06% | numerator / denominator | |
| Filed ratio | 12.06% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.06 pp | $11.6M | capital that could be lost first |
Tier 1 leverage ratio 8.69% +3.69 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 | $62.1M | 62,095 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $714.3M | 714,286 | RCOAA224 |
| Recomputed ratio | 8.69% | numerator / denominator | |
| Filed ratio | 8.69% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.69 pp | $26.4M | 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 | 44,171 | 44,171 | 44,171 | 44,171 | 44,171 | 44,171 | RCOAP742 |
| Retained earnings | 17,946 | 16,932 | 15,176 | 13,206 | 12,566 | 13,125 | RCOAKW00 |
| Accumulated other comprehensive income | (1,052) | (1,034) | (859) | (989) | (1,465) | (1,765) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 61,065 | 60,069 | 58,488 | 56,388 | 55,272 | 55,531 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,030 | 1,007 | 828 | 954 | 1,425 | 1,721 | P859 - P840 |
| Common equity Tier 1 capital | 62,095 | 61,076 | 59,316 | 57,342 | 56,697 | 57,252 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 62,095 | 61,076 | 59,316 | 57,342 | 56,697 | 57,252 | RCOA8274 |
| Tier 2 capital | 5,899 | 5,723 | 5,677 | 5,533 | 5,458 | 5,428 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,899 | 5,723 | 5,677 | 5,533 | 5,458 | 5,428 | RCOA5310 |
| Total capital | 67,994 | 66,799 | 64,993 | 62,875 | 62,155 | 62,680 | RCOA3792 |
| Total risk-weighted assets | 563,643 | 544,965 | 543,659 | 525,929 | 503,960 | 489,969 | RCOAA223 |
| Average total assets for the leverage ratio | 714,286 | 685,319 | 654,809 | 635,991 | 624,812 | 615,947 | 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 | $38.9M | $1.2M | 3.22% | 0.22% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $51.6M | $8.7M | 16.83% | 1.54% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $116.9M | $61.5M | 52.65% | 10.92% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $5.9M | $8.9M | 150.00% | 1.58% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $474.4M | $457.6M | 96.45% | 81.18% | RC-R Part II, item 4.d, 5.d |
| All other assets | $21.0M | $20.6M | 98.16% | 3.65% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $3.0M | $3.0M | 100.00% | 0.53% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $2.1M | NA | 0.38% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $561.5M | ties to item 31 ($561.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $563.6M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $563.6M | 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 | 11.02% | 11.02% | 12.06% | 8.69% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.21% | 11.21% | 12.26% | 8.91% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.91% | 10.91% | 11.95% | 9.06% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.90% | 10.90% | 11.96% | 9.02% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.25% | 11.25% | 12.33% | 9.07% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.68% | 11.68% | 12.79% | 9.29% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.91% | 11.91% | 13.03% | 9.33% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.34% | 11.34% | 12.44% | 9.01% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.67% | 11.67% | 12.81% | 8.80% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.83% | 11.83% | 12.96% | 9.24% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.49% | 12.49% | 13.64% | 9.68% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.26% | 12.26% | 13.41% | 9.67% | 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 |
|---|---|---|---|---|---|---|
| Arbor Bank (this bank) | Risk-based | 11.02% | 11.02% | 12.06% | 8.69% | |
| The Citizens National Bank of Somerset | $700.9M | Risk-based | 14.73% | 14.73% | 15.98% | 9.02% |
| First Bank | $703.6M | Risk-based | 13.40% | 13.40% | 14.66% | 13.87% |
| Putnam County Bank | $704.2M | CBLR | NA | NA | NA | 12.32% |
| County Bank | $696.4M | Risk-based | 18.96% | 18.96% | 19.83% | 15.41% |
| Bank of Ocean City | $695.0M | Risk-based | 14.55% | 14.55% | 15.28% | 11.65% |
| Eagle Bank | $709.0M | CBLR | NA | NA | NA | 10.63% |
| First Community Bank of Central Alabama | $694.3M | Risk-based | 10.76% | 10.76% | 12.02% | 8.57% |
| Banknorth | $694.1M | Risk-based | 10.47% | 10.47% | 11.51% | 10.32% |
| Southwest Bank | $693.7M | CBLR | NA | NA | NA | 11.33% |
| M C Bank & Trust Company | $710.0M | CBLR | NA | NA | NA | 42.96% |
| Peer 25th percentile | 11.42% | 11.42% | 12.68% | 10.40% | ||
| Peer median | 13.98% | 13.98% | 14.97% | 11.49% | ||
| Peer 75th percentile | 14.68% | 14.68% | 15.80% | 13.48% | ||
| This bank's percentile | 33 | 33 | 33 | 10 |
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/1872941/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.