Banco do Brasil Americas: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 16.56% (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: 16.56% (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 23.30% +16.80 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 | $377.5M | 377,528 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.62B | 1,620,107 | RCOAA223 |
| Recomputed ratio | 23.30% | numerator / denominator | |
| Filed ratio | 23.30% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +16.80 pp | $272.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 23.30% +15.30 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 | $377.5M | 377,528 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.62B | 1,620,107 | RCOAA223 |
| Recomputed ratio | 23.30% | numerator / denominator | |
| Filed ratio | 23.30% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +15.30 pp | $247.9M | capital that could be lost first |
Total risk-based capital ratio 24.56% +14.56 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 | $397.9M | 397,887 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.62B | 1,620,107 | RCOAA223 |
| Recomputed ratio | 24.56% | numerator / denominator | |
| Filed ratio | 24.56% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +14.56 pp | $235.9M | capital that could be lost first |
Tier 1 leverage ratio 10.90% +5.90 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 | $377.5M | 377,528 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.46B | 3,464,830 | RCOAA224 |
| Recomputed ratio | 10.90% | numerator / denominator | |
| Filed ratio | 10.90% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.90 pp | $204.3M | 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 | 197,500 | 197,500 | 197,500 | 197,500 | 197,500 | 197,500 | RCOAP742 |
| Retained earnings | 190,515 | 177,078 | 164,305 | 151,907 | 138,533 | 125,525 | RCOAKW00 |
| Accumulated other comprehensive income | (14,696) | (10,341) | (7,826) | (8,585) | (9,853) | (11,434) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 373,319 | 364,237 | 353,979 | 340,822 | 326,180 | 311,591 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,209 | (147) | (2,662) | (1,903) | (635) | 946 | P859 - P840 |
| Common equity Tier 1 capital | 377,528 | 364,090 | 351,317 | 338,919 | 325,545 | 312,537 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 377,528 | 364,090 | 351,317 | 338,919 | 325,545 | 312,537 | RCOA8274 |
| Tier 2 capital | 20,359 | 19,719 | 18,719 | 18,849 | 17,446 | 16,260 | RCOA5311 |
| Allowance includable in Tier 2 capital | 20,359 | 19,719 | 18,719 | 18,849 | 17,446 | 16,260 | RCOA5310 |
| Total capital | 397,887 | 383,809 | 370,036 | 357,768 | 342,991 | 328,797 | RCOA3792 |
| Total risk-weighted assets | 1,620,107 | 1,569,126 | 1,489,127 | 1,499,846 | 1,387,817 | 1,293,322 | RCOAA223 |
| Average total assets for the leverage ratio | 3,464,830 | 3,324,855 | 3,191,298 | 3,191,298 | 3,080,564 | 2,945,836 | 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 | $240.8M | $22.0M | 9.11% | 1.35% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.04B | $176.6M | 17.03% | 10.84% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $2.9M | $575K | 20.00% | 0.04% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $1.51B | $754.0M | 50.00% | 46.29% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $18.1M | $18.1M | 100.00% | 1.11% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $660.6M | $557.7M | 84.43% | 34.24% | RC-R Part II, item 4.d, 5.d |
| All other assets | $42.4M | $33.0M | 77.95% | 2.03% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $71.7M | $66.7M | 93.06% | 4.10% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $300 | 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 | $1.63B | ties to item 31 ($1.63B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.63B | RCONB704 |
| Less: excess allowance for credit losses | $8.5M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.62B | 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 | 23.30% | 23.30% | 24.56% | 10.90% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 23.20% | 23.20% | 24.46% | 10.95% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 23.59% | 23.59% | 24.85% | 11.01% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 22.60% | 22.60% | 23.85% | 10.62% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 23.46% | 23.46% | 24.71% | 10.57% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 24.17% | 24.17% | 25.42% | 10.61% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 24.49% | 24.49% | 25.75% | 10.58% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 24.06% | 24.06% | 25.32% | 10.25% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 24.16% | 24.16% | 25.42% | 9.79% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 25.66% | 25.66% | 26.92% | 9.37% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 25.36% | 25.36% | 26.62% | 9.16% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 26.04% | 26.04% | 26.04% | 8.72% | 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 |
|---|---|---|---|---|---|---|
| Banco do Brasil Americas (this bank) | Risk-based | 23.30% | 23.30% | 24.56% | 10.90% | |
| PCB Bank | $3.47B | Risk-based | 13.35% | 13.35% | 14.58% | 11.54% |
| Bankwell Bank | $3.47B | Risk-based | 11.67% | 11.67% | 12.70% | 10.39% |
| Ponce Bank, N.A. | $3.49B | Risk-based | 17.87% | 17.87% | 18.88% | 15.81% |
| Cache Valley Bank | $3.49B | Risk-based | 12.04% | 12.04% | 13.19% | 10.68% |
| The Farmers & Merchants State Bank | $3.49B | Risk-based | 11.84% | 11.84% | 12.91% | 9.44% |
| First Farmers Bank & Trust Co. | $3.50B | Risk-based | 12.82% | 12.82% | 14.07% | 10.06% |
| Bank of Ann Arbor | $3.50B | Risk-based | 14.27% | 14.27% | 15.42% | 13.17% |
| MVB Bank, Inc. | $3.50B | CBLR | NA | NA | NA | 10.27% |
| Old Plank Trail Community Bank, N.A. | $3.53B | Risk-based | 10.81% | 10.81% | 11.46% | 8.82% |
| First Carolina Bank | $3.41B | Risk-based | 12.88% | 12.88% | 13.72% | 11.36% |
| Peer 25th percentile | 11.84% | 11.84% | 12.91% | 10.11% | ||
| Peer median | 12.82% | 12.82% | 13.72% | 10.53% | ||
| Peer 75th percentile | 13.35% | 13.35% | 14.58% | 11.50% | ||
| This bank's percentile | 100 | 100 | 100 | 60 |
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/110936/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.