Arrowhead Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 15.49% (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: 15.49% (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 22.31% +15.81 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 | $35.5M | 35,506 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $159.2M | 159,154 | RCOAA223 |
| Recomputed ratio | 22.31% | numerator / denominator | |
| Filed ratio | 22.31% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +15.81 pp | $25.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 22.31% +14.31 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 | $35.5M | 35,506 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $159.2M | 159,154 | RCOAA223 |
| Recomputed ratio | 22.31% | numerator / denominator | |
| Filed ratio | 22.31% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +14.31 pp | $22.8M | capital that could be lost first |
Total risk-based capital ratio 23.49% +13.49 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 | $37.4M | 37,383 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $159.2M | 159,154 | RCOAA223 |
| Recomputed ratio | 23.49% | numerator / denominator | |
| Filed ratio | 23.49% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +13.49 pp | $21.5M | capital that could be lost first |
Tier 1 leverage ratio 11.89% +6.89 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 | $35.5M | 35,506 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $298.6M | 298,567 | RCOAA224 |
| Recomputed ratio | 11.89% | numerator / denominator | |
| Filed ratio | 11.89% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.89 pp | $20.6M | 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 | 17,165 | 17,165 | 17,165 | 17,165 | 17,165 | 17,165 | RCOAP742 |
| Retained earnings | 18,341 | 17,410 | 16,481 | 15,805 | 14,833 | 13,940 | RCOAKW00 |
| Accumulated other comprehensive income | (951) | (705) | (615) | (918) | (1,444) | (1,715) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 34,555 | 33,870 | 33,031 | 32,052 | 30,554 | 29,390 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 951 | 705 | 615 | 918 | 1,444 | 1,715 | P859 - P840 |
| Common equity Tier 1 capital | 35,506 | 34,575 | 33,646 | 32,970 | 31,998 | 31,105 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 35,506 | 34,575 | 33,646 | 32,970 | 31,998 | 31,105 | RCOA8274 |
| Tier 2 capital | 1,877 | 1,877 | 1,880 | 1,854 | 1,819 | 1,833 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,877 | 1,877 | 1,880 | 1,854 | 1,819 | 1,833 | RCOA5310 |
| Total capital | 37,383 | 36,452 | 35,526 | 34,824 | 33,817 | 32,938 | RCOA3792 |
| Total risk-weighted assets | 159,154 | 162,387 | 169,793 | 165,836 | 167,366 | 163,205 | RCOAA223 |
| Average total assets for the leverage ratio | 298,567 | 296,847 | 287,577 | 286,577 | 289,249 | 290,927 | 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 | $33.2M | $2.6M | 7.78% | 1.62% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $85.6M | $14.1M | 16.49% | 8.87% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $85.2M | $42.6M | 50.00% | 26.75% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $89.6M | $88.2M | 98.48% | 55.44% | RC-R Part II, item 4.d, 5.d |
| All other assets | $4.8M | $4.1M | 85.30% | 2.57% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $7.6M | $7.6M | 100.00% | 4.75% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $159.2M | ties to item 31 ($159.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $159.2M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $159.2M | 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 | 22.31% | 22.31% | 23.49% | 11.89% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 21.29% | 21.29% | 22.45% | 11.65% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 19.82% | 19.82% | 20.92% | 11.70% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 19.88% | 19.88% | 21.00% | 11.50% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 19.12% | 19.12% | 20.21% | 11.06% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 19.06% | 19.06% | 20.18% | 10.69% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 18.09% | 18.09% | 19.15% | 10.60% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 17.94% | 17.94% | 18.99% | 10.55% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 17.42% | 17.42% | 18.42% | 10.03% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 17.09% | 17.09% | 18.10% | 9.69% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 16.69% | 16.69% | 17.71% | 9.56% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 17.17% | 17.17% | 18.23% | 9.36% | 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 |
|---|---|---|---|---|---|---|
| Arrowhead Bank (this bank) | Risk-based | 22.31% | 22.31% | 23.49% | 11.89% | |
| The Commercial Bank | $295.5M | CBLR | NA | NA | NA | 10.60% |
| Coleman County State Bank | $295.1M | Risk-based | 12.90% | 12.90% | 13.89% | 8.56% |
| St. Landry Bank and Trust Company | $294.9M | Risk-based | 26.65% | 26.65% | 27.91% | 11.20% |
| The Kaw Valley State Bank and Trust Company, of Wamego, Kansas | $295.8M | CBLR | NA | NA | NA | 11.73% |
| The Upstate National Bank | $294.8M | Risk-based | 15.33% | 15.34% | 16.53% | 10.19% |
| State Bank | $295.8M | Risk-based | 10.54% | 10.54% | 11.41% | 9.23% |
| United Bank | $296.0M | Risk-based | 13.43% | 13.43% | 14.69% | 10.66% |
| Crawford County Trust and Savings Bank | $294.5M | Risk-based | 14.38% | 14.38% | 15.50% | 9.93% |
| RNB State Bank | $296.2M | Risk-based | 14.63% | 14.63% | 15.88% | 8.63% |
| Peer 25th percentile | 13.17% | 13.17% | 14.29% | 9.23% | ||
| Peer median | 14.38% | 14.38% | 15.50% | 10.19% | ||
| Peer 75th percentile | 14.98% | 14.99% | 16.20% | 10.66% | ||
| This bank's percentile | 86 | 86 | 86 | 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/570558/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.