The Bancorp Bank N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.32% (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: 7.32% (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 14.27% +7.77 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 | $884.8M | 884,771 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.20B | 6,201,050 | RCOAA223 |
| Recomputed ratio | 14.27% | numerator / denominator | |
| Filed ratio | 14.27% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.77 pp | $481.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.27% +6.27 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 | $884.8M | 884,771 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.20B | 6,201,050 | RCOAA223 |
| Recomputed ratio | 14.27% | numerator / denominator | |
| Filed ratio | 14.27% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.27 pp | $388.7M | capital that could be lost first |
Total risk-based capital ratio 15.32% +5.32 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 | $949.8M | 949,776 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.20B | 6,201,050 | RCOAA223 |
| Recomputed ratio | 15.32% | numerator / denominator | |
| Filed ratio | 15.32% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.32 pp | $329.7M | capital that could be lost first |
Tier 1 leverage ratio 9.09% +4.09 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 | $884.8M | 884,771 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $9.73B | 9,728,938 | RCOAA224 |
| Recomputed ratio | 9.09% | numerator / denominator | |
| Filed ratio | 9.09% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.09 pp | $398.3M | 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 | 366,191 | 366,191 | 366,191 | 366,191 | 366,191 | 366,191 | RCOAP742 |
| Retained earnings | 519,294 | 503,072 | 492,993 | 498,844 | 574,902 | 547,215 | RCOAKW00 |
| Accumulated other comprehensive income | (3,596) | 3,459 | 10,839 | 8,814 | 1,608 | (1,840) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 881,889 | 872,722 | 870,023 | 873,849 | 942,701 | 911,566 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,882 | (4,216) | (11,695) | (9,769) | (2,663) | 686 | P859 - P840 |
| Common equity Tier 1 capital | 884,771 | 868,506 | 858,328 | 864,080 | 940,038 | 912,252 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 884,771 | 868,506 | 858,328 | 864,080 | 940,038 | 912,252 | RCOA8274 |
| Tier 2 capital | 65,005 | 64,569 | 67,646 | 65,437 | 61,168 | 54,636 | RCOA5311 |
| Allowance includable in Tier 2 capital | 65,005 | 64,569 | 67,646 | 65,437 | 61,168 | 54,636 | RCOA5310 |
| Total capital | 949,776 | 933,075 | 925,974 | 929,517 | 1,001,206 | 966,888 | RCOA3792 |
| Total risk-weighted assets | 6,201,050 | 6,178,928 | 6,119,755 | 5,895,490 | 5,949,667 | 5,952,535 | RCOAA223 |
| Average total assets for the leverage ratio | 9,728,938 | 9,463,381 | 8,851,548 | 8,773,018 | 9,099,974 | 9,317,272 | 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 | $80.1M | $1.5M | 1.85% | 0.02% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.62B | $659.5M | 40.72% | 10.64% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $14.1M | $7.1M | 50.00% | 0.11% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $14.3M | $21.4M | 150.00% | 0.35% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $64.8M | $80.3M | 124.05% | 1.30% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $5.73B | $5.04B | 87.99% | 81.33% | RC-R Part II, item 4.d, 5.d |
| All other assets | $362.2M | $307.5M | 84.90% | 4.96% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $132.5M | $61.9M | 46.70% | 1.00% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $18.8M | NA | 0.30% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $6.18B | ties to item 31 ($6.18B) |
|---|---|---|
| Risk-weighted assets before deductions | $6.20B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $6.20B | 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 | 14.27% | 14.27% | 15.32% | 9.09% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 14.06% | 14.06% | 15.10% | 9.18% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 14.03% | 14.03% | 15.13% | 9.70% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 14.66% | 14.66% | 15.77% | 9.85% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 15.80% | 15.80% | 16.83% | 10.33% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 15.33% | 15.33% | 16.24% | 9.79% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 15.25% | 15.25% | 16.06% | 10.38% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 15.11% | 15.11% | 15.67% | 10.94% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 15.69% | 15.69% | 16.24% | 11.21% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 17.43% | 17.43% | 18.02% | 12.05% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 17.35% | 17.35% | 17.92% | 12.37% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 17.26% | 17.26% | 17.77% | 12.13% | 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 |
|---|---|---|---|---|---|---|
| The Bancorp Bank N.A. (this bank) | Risk-based | 14.27% | 14.27% | 15.32% | 9.09% | |
| First American Trust, FSB | $9.23B | Risk-based | 33.45% | 33.45% | 33.45% | 7.89% |
| Pinnacle Bank | $9.18B | Risk-based | 12.35% | 12.35% | 13.48% | 9.92% |
| Union Bank and Trust Company | $9.24B | Risk-based | 12.70% | 12.71% | 13.96% | 10.65% |
| Lake Forest Bank & Trust Company, N.A. | $9.25B | Risk-based | 11.16% | 11.16% | 12.02% | 9.93% |
| 1st Source Bank | $9.26B | Risk-based | 14.84% | 15.36% | 16.62% | 13.72% |
| First Mid Bank & Trust, N.A. | $9.14B | Risk-based | 13.58% | 13.58% | 14.66% | 10.70% |
| Merrick Bank | $9.13B | Risk-based | 16.80% | 16.80% | 18.21% | 16.59% |
| American Savings Bank, N.A. | $9.05B | Risk-based | 13.49% | 13.49% | 14.59% | 9.10% |
| Liberty Bank | $9.38B | Risk-based | 13.66% | 13.66% | 14.65% | 13.37% |
| Amalgamated Bank | $9.41B | Risk-based | 14.78% | 14.78% | 15.96% | 9.60% |
| Peer 25th percentile | 12.90% | 12.90% | 14.12% | 9.68% | ||
| Peer median | 13.62% | 13.62% | 14.66% | 10.29% | ||
| Peer 75th percentile | 14.82% | 15.21% | 16.45% | 12.70% | ||
| This bank's percentile | 60 | 60 | 60 | 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/2858960/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.