Availa Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.66% (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: 5.66% (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 12.55% +6.05 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 | $162.6M | 162,553 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.30B | 1,295,414 | RCOAA223 |
| Recomputed ratio | 12.55% | numerator / denominator | |
| Filed ratio | 12.55% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.05 pp | $78.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.55% +4.55 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 | $162.6M | 162,553 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.30B | 1,295,414 | RCOAA223 |
| Recomputed ratio | 12.55% | numerator / denominator | |
| Filed ratio | 12.55% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.55 pp | $58.9M | capital that could be lost first |
Total risk-based capital ratio 13.66% +3.66 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 | $177.0M | 177,002 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.30B | 1,295,414 | RCOAA223 |
| Recomputed ratio | 13.66% | numerator / denominator | |
| Filed ratio | 13.66% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.66 pp | $47.5M | 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 | $162.6M | 162,553 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.74B | 1,743,083 | 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 | $75.4M | 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 | 54,989 | 54,989 | 54,989 | 54,989 | 54,989 | 54,989 | RCOAP742 |
| Retained earnings | 130,128 | 127,458 | 125,255 | 122,806 | 120,412 | 118,923 | RCOAKW00 |
| Accumulated other comprehensive income | (29,000) | (28,178) | (29,106) | (31,168) | (39,332) | (37,704) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 156,117 | 154,269 | 151,138 | 146,627 | 136,069 | 136,208 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,436 | 5,545 | 6,096 | 8,088 | 16,183 | 14,486 | P859 - P840 |
| Common equity Tier 1 capital | 162,553 | 159,814 | 157,234 | 154,715 | 152,252 | 150,694 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 162,553 | 159,814 | 157,234 | 154,715 | 152,252 | 150,694 | RCOA8274 |
| Tier 2 capital | 14,449 | 15,120 | 13,732 | 13,378 | 13,184 | 12,779 | RCOA5311 |
| Allowance includable in Tier 2 capital | 14,449 | 15,120 | 13,732 | 13,378 | 13,184 | 12,779 | RCOA5310 |
| Total capital | 177,002 | 174,934 | 170,966 | 168,093 | 165,436 | 163,473 | RCOA3792 |
| Total risk-weighted assets | 1,295,414 | 1,318,114 | 1,298,899 | 1,273,895 | 1,267,801 | 1,230,994 | RCOAA223 |
| Average total assets for the leverage ratio | 1,743,083 | 1,714,144 | 1,682,208 | 1,670,553 | 1,659,922 | 1,645,599 | 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 | $70.5M | $1.6M | 2.27% | 0.12% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $412.7M | $125.3M | 30.37% | 9.68% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $11.7M | $0 | 0.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $224.9M | $112.7M | 50.11% | 8.70% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $2.6M | $3.9M | 150.00% | 0.30% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $963.3M | $941.3M | 97.72% | 72.66% | RC-R Part II, item 4.d, 5.d |
| All other assets | $88.8M | $80.8M | 90.93% | 6.23% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $35.5M | $28.8M | 81.00% | 2.22% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $735K | $368K | 50.00% | 0.03% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $648K | NA | 0.05% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.29B | ties to item 31 ($1.29B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.30B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.30B | 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 | 12.55% | 12.55% | 13.66% | 9.33% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.12% | 12.12% | 13.27% | 9.32% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.11% | 12.11% | 13.16% | 9.35% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.14% | 12.14% | 13.20% | 9.26% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.01% | 12.01% | 13.05% | 9.17% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.24% | 12.24% | 13.28% | 9.16% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.02% | 12.02% | 12.99% | 9.01% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.34% | 12.34% | 13.30% | 8.98% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.09% | 12.09% | 13.03% | 9.09% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.97% | 11.97% | 12.90% | 9.06% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.85% | 11.85% | 12.76% | 8.89% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 9.32% | 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 |
|---|---|---|---|---|---|---|
| Availa Bank (this bank) | Risk-based | 12.55% | 12.55% | 13.66% | 9.33% | |
| Ives Bank | $1.73B | CBLR | NA | NA | NA | 13.87% |
| Chesapeake Bank | $1.72B | Risk-based | 14.25% | 14.25% | 15.15% | 11.18% |
| Sutton Bank | $1.74B | Risk-based | 30.34% | 30.34% | 31.12% | 10.01% |
| Community State Bank | $1.75B | Risk-based | 11.89% | 11.89% | 12.74% | 11.67% |
| Chelsea Groton Bank | $1.75B | Risk-based | 21.99% | 21.99% | 22.93% | 16.73% |
| Lincoln Savings Bank | $1.71B | Risk-based | 11.79% | 11.79% | 13.04% | 9.12% |
| Foresight Bank | $1.71B | CBLR | NA | NA | NA | 11.27% |
| Hawthorn Bank | $1.76B | Risk-based | 13.23% | 13.23% | 14.49% | 11.26% |
| CBI Bank & Trust | $1.70B | Risk-based | 13.00% | 13.00% | 14.18% | 10.23% |
| First Farmers and Merchants Bank | $1.76B | Risk-based | 17.56% | 17.56% | 18.33% | 11.19% |
| Peer 25th percentile | 12.72% | 12.72% | 13.89% | 10.47% | ||
| Peer median | 13.74% | 13.74% | 14.82% | 11.23% | ||
| Peer 75th percentile | 18.67% | 18.67% | 19.48% | 11.57% | ||
| This bank's percentile | 25 | 25 | 25 | 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/859141/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.