Arrow Bank N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.87% (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: 5.87% (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 12.71% +6.21 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 | $409.6M | 409,627 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.22B | 3,223,685 | RCOAA223 |
| Recomputed ratio | 12.71% | numerator / denominator | |
| Filed ratio | 12.71% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.21 pp | $200.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.71% +4.71 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 | $409.7M | 409,678 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.22B | 3,223,685 | RCOAA223 |
| Recomputed ratio | 12.71% | numerator / denominator | |
| Filed ratio | 12.71% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.71 pp | $151.8M | capital that could be lost first |
Total risk-based capital ratio 13.87% +3.87 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 | $447.1M | 447,081 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.22B | 3,223,685 | RCOAA223 |
| Recomputed ratio | 13.87% | numerator / denominator | |
| Filed ratio | 13.87% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.87 pp | $124.7M | capital that could be lost first |
Tier 1 leverage ratio 9.33% +4.33 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 | $409.7M | 409,678 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $4.39B | 4,392,386 | RCOAA224 |
| Recomputed ratio | 9.33% | numerator / denominator | |
| Filed ratio | 9.33% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.33 pp | $190.1M | 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 | 41,143 | 40,915 | 40,731 | 40,628 | 40,535 | 40,307 | RCOAP742 |
| Retained earnings | 390,210 | 404,022 | 395,442 | 386,366 | 381,619 | 380,740 | RCOAKW00 |
| Accumulated other comprehensive income | (8,159) | (7,477) | (6,746) | (11,357) | (13,738) | (16,575) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 423,194 | 437,460 | 429,427 | 415,637 | 408,416 | 404,472 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (13,567) | (14,306) | (15,094) | (10,544) | (8,225) | (5,455) | P859 - P840 |
| Common equity Tier 1 capital | 409,627 | 423,154 | 414,333 | 405,093 | 400,191 | 399,017 | RCOAP859 |
| Additional Tier 1 capital | 51 | 51 | 51 | 52 | 52 | 52 | RCOAP865 |
| Tier 1 capital | 409,678 | 423,205 | 414,384 | 405,145 | 400,243 | 399,069 | RCOA8274 |
| Tier 2 capital | 37,403 | 35,198 | 35,574 | 35,516 | 35,476 | 39,093 | RCOA5311 |
| Allowance includable in Tier 2 capital | 37,403 | 35,198 | 35,574 | 35,516 | 35,476 | 39,093 | RCOA5310 |
| Total capital | 447,081 | 458,403 | 449,958 | 440,661 | 435,719 | 438,162 | RCOA3792 |
| Total risk-weighted assets | 3,223,685 | 3,154,783 | 3,152,810 | 3,078,838 | 3,107,588 | 3,129,465 | RCOAA223 |
| Average total assets for the leverage ratio | 4,392,386 | 4,400,828 | 4,473,045 | 4,384,293 | 4,320,448 | 4,318,812 | 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 | $186.8M | $3.9M | 2.08% | 0.12% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $588.3M | $125.4M | 21.32% | 3.89% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $1.41B | $703.5M | 50.00% | 21.82% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $9.9M | $14.9M | 150.00% | 0.46% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $5.3M | $7.9M | 150.00% | 0.24% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.07B | $2.07B | 99.58% | 64.08% | RC-R Part II, item 4.d, 5.d |
| All other assets | $207.5M | $188.6M | 90.88% | 5.85% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $109.2M | $103.0M | 94.33% | 3.19% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.8M | $591K | 33.00% | 0.02% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $10.3M | NA | 0.32% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $3.21B | ties to item 31 ($3.21B) |
|---|---|---|
| Risk-weighted assets before deductions | $3.22B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $3.22B | 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 | 12.71% | 12.71% | 13.87% | 9.33% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.41% | 13.41% | 14.53% | 9.62% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.14% | 13.14% | 14.27% | 9.26% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.16% | 13.16% | 14.31% | 9.24% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.88% | 12.88% | 14.02% | 9.26% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.75% | 12.75% | 14.00% | 9.24% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.86% | 12.86% | 13.99% | 9.22% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.97% | 12.97% | 13.94% | 8.75% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.13% | 13.14% | 14.12% | 8.79% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.03% | 13.03% | 14.02% | 8.76% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.24% | 13.24% | 14.25% | 9.16% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.44% | 13.44% | 14.49% | 9.28% | 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 |
|---|---|---|---|---|---|---|
| Arrow Bank N.A. (this bank) | Risk-based | 12.71% | 12.71% | 13.87% | 9.33% | |
| ChoiceOne Bank | $4.45B | Risk-based | 11.81% | 11.81% | 12.92% | 9.30% |
| Metro City Bank | $4.47B | Risk-based | 17.14% | 17.14% | 18.04% | 11.08% |
| Capital City Bank | $4.45B | Risk-based | 18.18% | 18.18% | 19.43% | 10.29% |
| HomeTrust Bank | $4.44B | Risk-based | 13.74% | 13.74% | 14.84% | 12.91% |
| First Federal Bank | $4.49B | Risk-based | 20.56% | 20.56% | 21.06% | 10.83% |
| Texas Exchange Bank | $4.49B | Risk-based | 30.06% | 30.06% | 30.82% | 12.44% |
| American Business Bank | $4.42B | Risk-based | 12.35% | 12.35% | 13.24% | 11.01% |
| First Business Bank | $4.41B | Risk-based | 11.17% | 11.17% | 12.18% | 10.37% |
| Sunwest Bank | $4.41B | Risk-based | 10.40% | 10.40% | 11.66% | 9.71% |
| First State Community Bank | $4.51B | Risk-based | 14.35% | 14.35% | 15.43% | 11.68% |
| Peer 25th percentile | 11.94% | 11.94% | 13.00% | 10.31% | ||
| Peer median | 14.04% | 14.04% | 15.13% | 10.92% | ||
| Peer 75th percentile | 17.92% | 17.92% | 19.08% | 11.53% | ||
| This bank's percentile | 40 | 40 | 40 | 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/866000/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.