Auburnbank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.24% (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: 9.24% (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 16.26% +9.76 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 | $110.9M | 110,874 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $682.1M | 682,078 | RCOAA223 |
| Recomputed ratio | 16.26% | numerator / denominator | |
| Filed ratio | 16.26% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.76 pp | $66.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.26% +8.26 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 | $110.9M | 110,874 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $682.1M | 682,078 | RCOAA223 |
| Recomputed ratio | 16.26% | numerator / denominator | |
| Filed ratio | 16.26% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.26 pp | $56.3M | capital that could be lost first |
Total risk-based capital ratio 17.24% +7.24 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 | $117.6M | 117,601 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $682.1M | 682,078 | RCOAA223 |
| Recomputed ratio | 17.24% | numerator / denominator | |
| Filed ratio | 17.24% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.24 pp | $49.4M | capital that could be lost first |
Tier 1 leverage ratio 10.65% +5.65 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 | $110.9M | 110,874 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.04B | 1,040,670 | RCOAA224 |
| Recomputed ratio | 10.65% | numerator / denominator | |
| Filed ratio | 10.65% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.65 pp | $58.8M | 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 | 10,883 | 10,883 | 10,883 | 10,883 | 10,883 | 10,883 | RCOAP742 |
| Retained earnings | 99,991 | 99,568 | 99,267 | 98,506 | 97,169 | 96,213 | RCOAKW00 |
| Accumulated other comprehensive income | (19,993) | (19,639) | (19,390) | (21,072) | (23,305) | (25,371) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 90,881 | 90,812 | 90,760 | 88,317 | 84,747 | 81,725 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 19,993 | 19,639 | 19,390 | 21,072 | 23,305 | 25,199 | P859 - P840 |
| Common equity Tier 1 capital | 110,874 | 110,451 | 110,150 | 109,389 | 108,052 | 106,924 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 110,874 | 110,451 | 110,150 | 109,389 | 108,052 | 106,924 | RCOA8274 |
| Tier 2 capital | 6,727 | 6,954 | 7,432 | 6,954 | 7,287 | 7,125 | RCOA5311 |
| Allowance includable in Tier 2 capital | 6,727 | 6,954 | 7,432 | 6,954 | 7,287 | 7,125 | RCOA5310 |
| Total capital | 117,601 | 117,405 | 117,582 | 116,343 | 115,339 | 114,049 | RCOA3792 |
| Total risk-weighted assets | 682,078 | 687,196 | 686,052 | 705,387 | 705,440 | 710,708 | RCOAA223 |
| Average total assets for the leverage ratio | 1,040,670 | 1,044,978 | 1,028,637 | 1,020,631 | 1,015,317 | 1,016,096 | 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 | $173.5M | $3.2M | 1.87% | 0.48% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $247.4M | $49.0M | 19.78% | 7.18% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $38.0M | $7.6M | 20.00% | 1.11% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $116.1M | $67.2M | 57.92% | 9.86% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $38.2M | $57.3M | 150.00% | 8.40% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $426.0M | $398.6M | 93.57% | 58.45% | RC-R Part II, item 4.d, 5.d |
| All other assets | $78.6M | $78.5M | 99.90% | 11.51% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $18.8M | $19.2M | 102.11% | 2.82% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $519K | $0 | 0.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1.4M | NA | 0.21% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $680.7M | does not tie to item 31 ($682.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $682.1M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $682.1M | 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 | 16.26% | 16.26% | 17.24% | 10.65% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 16.07% | 16.07% | 17.08% | 10.57% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 16.06% | 16.06% | 17.14% | 10.71% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 15.51% | 15.51% | 16.49% | 10.72% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 15.32% | 15.32% | 16.35% | 10.64% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 15.04% | 15.04% | 16.05% | 10.52% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.80% | 14.80% | 15.81% | 10.49% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 14.75% | 14.75% | 15.76% | 10.43% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 14.47% | 14.47% | 15.49% | 10.39% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 14.62% | 14.62% | 15.69% | 10.34% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 14.52% | 14.52% | 15.52% | 9.72% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 15.01% | 15.01% | 15.98% | 10.26% | 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 |
|---|---|---|---|---|---|---|
| Auburnbank (this bank) | Risk-based | 16.26% | 16.26% | 17.24% | 10.65% | |
| Amerasia Bank | $1.08B | Risk-based | 18.40% | 18.40% | 19.27% | 15.12% |
| First Resource Bank | $1.08B | Risk-based | 11.62% | 11.62% | 12.77% | 8.34% |
| Prime Alliance Bank | $1.09B | Risk-based | 12.73% | 12.73% | 14.00% | 11.53% |
| Partners Bank of New England | $1.09B | Risk-based | 14.68% | 14.68% | 15.80% | 10.99% |
| First Bank of Berne | $1.09B | Risk-based | 12.23% | 12.23% | 13.44% | 9.92% |
| Winchester Savings Bank | $1.09B | CBLR | NA | NA | NA | 9.63% |
| Mountainone Bank | $1.08B | Risk-based | 16.76% | 16.76% | 17.80% | 14.75% |
| First Command Bank | $1.08B | Risk-based | 18.08% | 18.08% | 19.08% | 10.20% |
| The Federal Savings Bank | $1.08B | Risk-based | 19.97% | 19.97% | 20.68% | 15.86% |
| Parkside Financial Bank and Trust | $1.08B | Risk-based | 12.99% | 12.99% | 14.25% | 12.98% |
| Peer 25th percentile | 12.73% | 12.73% | 14.00% | 9.99% | ||
| Peer median | 14.68% | 14.68% | 15.80% | 11.26% | ||
| Peer 75th percentile | 18.08% | 18.08% | 19.08% | 14.30% | ||
| This bank's percentile | 56 | 56 | 56 | 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/749635/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.