Avidia Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.61% (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: 8.61% (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 15.47% +8.97 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 | $340.2M | 340,186 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.20B | 2,198,382 | RCOAA223 |
| Recomputed ratio | 15.47% | numerator / denominator | |
| Filed ratio | 15.47% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.97 pp | $197.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.47% +7.47 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 | $340.2M | 340,186 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.20B | 2,198,382 | RCOAA223 |
| Recomputed ratio | 15.47% | numerator / denominator | |
| Filed ratio | 15.47% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.47 pp | $164.3M | capital that could be lost first |
Total risk-based capital ratio 16.61% +6.61 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 | $365.2M | 365,182 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.20B | 2,198,382 | RCOAA223 |
| Recomputed ratio | 16.61% | numerator / denominator | |
| Filed ratio | 16.61% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.61 pp | $145.3M | capital that could be lost first |
Tier 1 leverage ratio 12.37% +7.37 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 | $340.2M | 340,186 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.75B | 2,750,774 | RCOAA224 |
| Recomputed ratio | 12.37% | numerator / denominator | |
| Filed ratio | 12.37% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.37 pp | $202.6M | 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 | 100,379 | 100,379 | 100,379 | 100,379 | 4,498 | 4,498 | RCOAP742 |
| Retained earnings | 251,743 | 244,275 | 238,005 | 232,128 | 225,852 | 221,720 | RCOAKW00 |
| Accumulated other comprehensive income | (14,206) | (13,687) | (12,865) | (14,417) | (16,155) | (17,650) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 337,916 | 330,967 | 325,519 | 318,090 | 214,195 | 208,568 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,270 | 1,751 | 928 | 2,481 | 4,219 | 5,714 | P859 - P840 |
| Common equity Tier 1 capital | 340,186 | 332,718 | 326,447 | 320,571 | 218,414 | 214,282 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 340,186 | 332,718 | 326,447 | 320,571 | 218,414 | 214,282 | RCOA8274 |
| Tier 2 capital | 24,996 | 23,684 | 22,711 | 25,200 | 24,282 | 23,158 | RCOA5311 |
| Allowance includable in Tier 2 capital | 24,996 | 23,684 | 22,711 | 25,200 | 24,282 | 23,158 | RCOA5310 |
| Total capital | 365,182 | 356,402 | 349,158 | 345,771 | 242,696 | 237,440 | RCOA3792 |
| Total risk-weighted assets | 2,198,382 | 2,191,310 | 2,202,897 | 2,141,908 | 2,127,370 | 2,122,883 | RCOAA223 |
| Average total assets for the leverage ratio | 2,750,774 | 2,797,130 | 2,742,907 | 2,809,034 | 2,728,631 | 2,674,711 | 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 | $5.9M | 8.30% | 0.27% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $344.8M | $68.4M | 19.82% | 3.11% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $656.8M | $342.1M | 52.08% | 15.56% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $33.4M | $50.1M | 150.00% | 2.28% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $16.9M | $25.4M | 150.00% | 1.15% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.55B | $1.53B | 98.37% | 69.51% | RC-R Part II, item 4.d, 5.d |
| All other assets | $107.4M | $109.5M | 101.96% | 4.98% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $894K | $11.2M | 1250.00% | 0.51% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $62.5M | $45.5M | 72.70% | 2.07% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $12.4M | NA | 0.56% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.19B | ties to item 31 ($2.19B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.20B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.20B | 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 | 15.47% | 15.47% | 16.61% | 12.37% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 15.18% | 15.18% | 16.26% | 11.89% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 14.82% | 14.82% | 15.85% | 11.90% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 14.97% | 14.97% | 16.14% | 11.41% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 10.27% | 10.27% | 11.41% | 8.00% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 10.09% | 10.09% | 11.18% | 8.01% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 10.78% | 10.78% | 11.87% | 8.39% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.56% | 10.56% | 11.67% | 8.32% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.57% | 10.57% | 11.64% | 8.28% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.45% | 10.45% | 11.53% | 8.31% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.34% | 10.34% | 11.40% | 8.17% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.14% | 10.14% | 11.17% | 8.10% | 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 |
|---|---|---|---|---|---|---|
| Avidia Bank (this bank) | Risk-based | 15.47% | 15.47% | 16.61% | 12.37% | |
| Quad City Bank and Trust Company | $2.77B | Risk-based | 14.29% | 14.29% | 15.35% | 11.01% |
| Sunrise Banks, N.A. | $2.78B | CBLR | NA | NA | NA | 10.18% |
| Lead Bank | $2.76B | Risk-based | 20.33% | 20.33% | 21.60% | 7.40% |
| ION Bank | $2.78B | Risk-based | 15.75% | 15.75% | 16.82% | 11.91% |
| Citizens and Farmers Bank | $2.79B | Risk-based | 13.54% | 13.54% | 14.79% | 11.20% |
| Orange Bank & Trust Company | $2.79B | Risk-based | 17.95% | 17.95% | 19.20% | 13.15% |
| Open Bank | $2.75B | Risk-based | 12.10% | 12.10% | 13.35% | 10.15% |
| Bank of New Hampshire | $2.80B | Risk-based | 13.75% | 13.75% | 15.00% | 12.08% |
| State Bank of Southern Utah | $2.74B | CBLR | NA | NA | NA | 12.04% |
| State Bank of the Lakes, N.A. | $2.81B | Risk-based | 10.75% | 10.75% | 11.37% | 9.05% |
| Peer 25th percentile | 13.18% | 13.18% | 14.43% | 10.16% | ||
| Peer median | 14.02% | 14.02% | 15.17% | 11.11% | ||
| Peer 75th percentile | 16.30% | 16.30% | 17.42% | 12.01% | ||
| This bank's percentile | 62 | 62 | 62 | 90 |
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/619701/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.