b1BANK: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.20% (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: 5.20% (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 12.33% +5.83 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 | $957.7M | 957,683 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.77B | 7,768,270 | RCOAA223 |
| Recomputed ratio | 12.33% | numerator / denominator | |
| Filed ratio | 12.33% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.83 pp | $452.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.33% +4.33 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 | $957.7M | 957,683 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.77B | 7,768,270 | RCOAA223 |
| Recomputed ratio | 12.33% | numerator / denominator | |
| Filed ratio | 12.33% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.33 pp | $336.2M | capital that could be lost first |
Total risk-based capital ratio 13.20% +3.20 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 | $1.03B | 1,025,514 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.77B | 7,768,270 | RCOAA223 |
| Recomputed ratio | 13.20% | numerator / denominator | |
| Filed ratio | 13.20% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.20 pp | $248.7M | capital that could be lost first |
Tier 1 leverage ratio 10.91% +5.91 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 | $957.7M | 957,683 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $8.78B | 8,779,173 | RCOAA224 |
| Recomputed ratio | 10.91% | numerator / denominator | |
| Filed ratio | 10.91% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.91 pp | $518.7M | 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 | 758,294 | 751,493 | 663,362 | 663,362 | 663,361 | 663,361 | RCOAP742 |
| Retained earnings | 362,392 | 335,536 | 339,142 | 329,013 | 303,446 | 291,921 | RCOAKW00 |
| Accumulated other comprehensive income | (35,822) | (37,909) | (33,287) | (36,429) | (47,768) | (52,844) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,084,864 | 1,049,120 | 969,217 | 955,946 | 919,039 | 902,438 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (127,181) | (119,578) | (96,753) | (94,420) | (83,891) | (80,293) | P859 - P840 |
| Common equity Tier 1 capital | 957,683 | 929,542 | 872,464 | 861,526 | 835,148 | 822,145 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 957,683 | 929,542 | 872,464 | 861,526 | 835,148 | 822,145 | RCOA8274 |
| Tier 2 capital | 67,831 | 68,755 | 58,136 | 61,882 | 61,765 | 60,363 | RCOA5311 |
| Allowance includable in Tier 2 capital | 67,831 | 68,755 | 58,136 | 61,882 | 61,765 | 60,363 | RCOA5310 |
| Total capital | 1,025,514 | 998,297 | 930,600 | 923,408 | 896,913 | 882,508 | RCOA3792 |
| Total risk-weighted assets | 7,768,270 | 7,770,639 | 7,258,624 | 7,013,818 | 6,946,115 | 6,830,221 | RCOAA223 |
| Average total assets for the leverage ratio | 8,779,173 | 8,753,158 | 7,922,896 | 7,825,151 | 7,743,191 | 7,681,461 | 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 | $577.5M | $31.8M | 5.51% | 0.41% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.04B | $258.4M | 24.89% | 3.33% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $152.1M | $26.7M | 17.54% | 0.34% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $827.6M | $457.8M | 55.31% | 5.89% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $138.8M | $208.2M | 150.00% | 2.68% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $72.6M | $103.3M | 142.31% | 1.33% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $5.62B | $5.48B | 97.45% | 70.55% | RC-R Part II, item 4.d, 5.d |
| All other assets | $382.3M | $377.7M | 98.82% | 4.86% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.11B | $798.3M | 71.70% | 10.28% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $19.0M | $13.2M | 69.37% | 0.17% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $12.7M | NA | 0.16% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $7.76B | ties to item 31 ($7.76B) |
|---|---|---|
| Risk-weighted assets before deductions | $7.77B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $7.77B | 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 | 12.33% | 12.33% | 13.20% | 10.91% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.96% | 11.96% | 12.85% | 10.62% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.02% | 12.02% | 12.82% | 11.01% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.28% | 12.28% | 13.17% | 11.01% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.02% | 12.02% | 12.91% | 10.79% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.04% | 12.04% | 12.92% | 10.70% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.60% | 11.60% | 12.45% | 10.47% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.00% | 12.00% | 12.74% | 10.79% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.79% | 11.79% | 12.53% | 10.59% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.73% | 11.73% | 12.48% | 10.56% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.69% | 11.69% | 12.43% | 10.63% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.63% | 11.63% | 12.39% | 10.53% | 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 |
|---|---|---|---|---|---|---|
| b1BANK (this bank) | Risk-based | 12.33% | 12.33% | 13.20% | 10.91% | |
| Metropolitan Commercial Bank | $8.86B | Risk-based | 12.91% | 12.91% | 13.73% | 11.07% |
| Salem Five Cents Savings Bank | $8.82B | Risk-based | 13.21% | 13.21% | 14.47% | 10.52% |
| Woodforest National Bank | $8.98B | Risk-based | 11.27% | 11.27% | 12.52% | 9.35% |
| Tompkins Bank & Trust | $8.79B | Risk-based | 11.91% | 11.91% | 12.82% | 9.11% |
| Wells Fargo National Bank West | $8.77B | Risk-based | 64.87% | 64.87% | 65.48% | 19.19% |
| Southside Bank | $8.76B | Risk-based | 16.28% | 16.28% | 17.10% | 11.43% |
| American Savings Bank, N.A. | $9.05B | Risk-based | 13.49% | 13.49% | 14.59% | 9.10% |
| Merrick Bank | $9.13B | Risk-based | 16.80% | 16.80% | 18.21% | 16.59% |
| First Mid Bank & Trust, N.A. | $9.14B | Risk-based | 13.58% | 13.58% | 14.66% | 10.70% |
| Peer 25th percentile | 12.91% | 12.91% | 13.73% | 9.35% | ||
| Peer median | 13.49% | 13.49% | 14.59% | 10.70% | ||
| Peer 75th percentile | 16.28% | 16.28% | 17.10% | 11.43% | ||
| This bank's percentile | 22 | 22 | 22 | 56 |
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/3408728/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.