Asian Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 17.28% (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: 17.28% (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 24.19% +17.69 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 | $129.2M | 129,202 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $534.1M | 534,065 | RCOAA223 |
| Recomputed ratio | 24.19% | numerator / denominator | |
| Filed ratio | 24.19% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +17.69 pp | $94.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 24.19% +16.19 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 | $129.2M | 129,202 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $534.1M | 534,065 | RCOAA223 |
| Recomputed ratio | 24.19% | numerator / denominator | |
| Filed ratio | 24.19% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +16.19 pp | $86.5M | capital that could be lost first |
Total risk-based capital ratio 25.28% +15.28 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 | $135.0M | 135,010 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $534.1M | 534,065 | RCOAA223 |
| Recomputed ratio | 25.28% | numerator / denominator | |
| Filed ratio | 25.28% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +15.28 pp | $81.6M | capital that could be lost first |
Tier 1 leverage ratio 19.15% +14.15 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 | $129.2M | 129,202 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $674.8M | 674,848 | RCOAA224 |
| Recomputed ratio | 19.15% | numerator / denominator | |
| Filed ratio | 19.15% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +14.15 pp | $95.5M | 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 | 97,997 | 97,996 | 98,087 | 98,332 | 98,427 | 98,427 | RCOAP742 |
| Retained earnings | 31,205 | 29,014 | 27,086 | 26,297 | 25,047 | 24,701 | RCOAKW00 |
| Accumulated other comprehensive income | (2,180) | (2,386) | (1,912) | (2,351) | (3,194) | (3,430) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 127,022 | 124,624 | 123,261 | 122,278 | 120,280 | 119,698 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,180 | 2,386 | 1,912 | 2,351 | 3,194 | 3,430 | P859 - P840 |
| Common equity Tier 1 capital | 129,202 | 127,010 | 125,173 | 124,629 | 123,474 | 123,128 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 129,202 | 127,010 | 125,173 | 124,629 | 123,474 | 123,128 | RCOA8274 |
| Tier 2 capital | 5,808 | 5,725 | 5,518 | 5,248 | 5,037 | 4,800 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,808 | 5,725 | 5,518 | 5,248 | 5,037 | 4,800 | RCOA5310 |
| Total capital | 135,010 | 132,735 | 130,691 | 129,877 | 128,511 | 127,928 | RCOA3792 |
| Total risk-weighted assets | 534,065 | 505,818 | 493,256 | 490,900 | 469,621 | 430,377 | RCOAA223 |
| Average total assets for the leverage ratio | 674,848 | 657,364 | 648,902 | 621,749 | 607,936 | 601,057 | 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 | $59.7M | $1.6M | 2.72% | 0.30% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $78.9M | $16.0M | 20.27% | 2.99% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $66.8M | $33.4M | 50.00% | 6.26% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $6.8M | $10.1M | 150.00% | 1.90% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $6.5M | $9.8M | 150.00% | 1.83% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $455.5M | $432.6M | 94.99% | 81.00% | RC-R Part II, item 4.d, 5.d |
| All other assets | $19.8M | $13.3M | 67.25% | 2.49% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $16.8M | $17.2M | 102.65% | 3.22% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | -$400 | 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 | $534.1M | ties to item 31 ($534.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $534.1M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $534.1M | 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 | 24.19% | 24.19% | 25.28% | 19.15% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 25.11% | 25.11% | 26.24% | 19.32% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 25.38% | 25.38% | 26.50% | 19.29% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 25.39% | 25.39% | 26.46% | 20.04% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 26.29% | 26.29% | 27.36% | 20.31% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 28.61% | 28.61% | 29.72% | 20.49% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 29.19% | 29.19% | 30.33% | 21.87% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 29.96% | 29.96% | 31.15% | 22.78% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 29.99% | 29.99% | 31.20% | 23.80% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 31.25% | 31.25% | 32.50% | 23.43% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 31.19% | 31.19% | 32.44% | 24.22% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 32.30% | 32.30% | 33.56% | 24.79% | 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 |
|---|---|---|---|---|---|---|
| Asian Bank (this bank) | Risk-based | 24.19% | 24.19% | 25.28% | 19.15% | |
| Geddes Federal Savings and Loan Association | $685.7M | CBLR | NA | NA | NA | 14.70% |
| Jeff Bank, N.A. | $686.2M | CBLR | NA | NA | NA | 14.92% |
| Legacy Bank | $686.5M | Risk-based | 14.83% | 14.83% | 16.09% | 8.53% |
| First Federal Savings Bank | $686.6M | CBLR | NA | NA | NA | 9.31% |
| Midamerica National Bank | $685.0M | CBLR | NA | NA | NA | 9.86% |
| First National Bank and Trust Company of Ardmore | $686.7M | CBLR | NA | NA | NA | 10.07% |
| FirstBank | $684.3M | CBLR | NA | NA | NA | 10.81% |
| Yampa Valley Bank | $687.6M | CBLR | NA | NA | NA | 9.39% |
| Peer 25th percentile | NA | NA | NA | 9.37% | ||
| Peer median | 14.83% | 14.83% | 16.09% | 9.96% | ||
| Peer 75th percentile | NA | NA | NA | 11.78% | ||
| This bank's percentile | NA | NA | NA | 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/2785477/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.