Bank of Bridger, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 12.48% (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: 12.48% (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 19.23% +12.73 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 | $82.4M | 82,411 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $428.6M | 428,571 | RCOAA223 |
| Recomputed ratio | 19.23% | numerator / denominator | |
| Filed ratio | 19.23% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +12.73 pp | $54.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 19.23% +11.23 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 | $82.4M | 82,411 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $428.6M | 428,571 | RCOAA223 |
| Recomputed ratio | 19.23% | numerator / denominator | |
| Filed ratio | 19.23% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +11.23 pp | $48.1M | capital that could be lost first |
Total risk-based capital ratio 20.48% +10.48 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 | $87.8M | 87,774 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $428.6M | 428,571 | RCOAA223 |
| Recomputed ratio | 20.48% | numerator / denominator | |
| Filed ratio | 20.48% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +10.48 pp | $44.9M | capital that could be lost first |
Tier 1 leverage ratio 10.08% +5.08 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 | $82.4M | 82,411 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $817.9M | 817,949 | RCOAA224 |
| Recomputed ratio | 10.08% | numerator / denominator | |
| Filed ratio | 10.08% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.08 pp | $41.5M | 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 | 33,562 | 33,562 | 33,562 | 33,562 | 33,562 | 33,562 | RCOAP742 |
| Retained earnings | 52,356 | 51,517 | 50,479 | 49,709 | 48,690 | 48,038 | RCOAKW00 |
| Accumulated other comprehensive income | (17,374) | (17,241) | (15,401) | (16,521) | (20,850) | (23,663) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 68,544 | 67,838 | 68,640 | 66,750 | 61,402 | 57,937 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 13,867 | 13,663 | 11,721 | 12,769 | 17,026 | 19,768 | P859 - P840 |
| Common equity Tier 1 capital | 82,411 | 81,501 | 80,361 | 79,519 | 78,428 | 77,705 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 82,411 | 81,501 | 80,361 | 79,519 | 78,428 | 77,705 | RCOA8274 |
| Tier 2 capital | 5,363 | 5,197 | 5,104 | 5,141 | 5,092 | 5,004 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,363 | 5,197 | 5,104 | 5,141 | 5,092 | 5,004 | RCOA5310 |
| Total capital | 87,774 | 86,698 | 85,465 | 84,660 | 83,520 | 82,709 | RCOA3792 |
| Total risk-weighted assets | 428,571 | 415,289 | 407,846 | 410,882 | 406,332 | 399,287 | RCOAA223 |
| Average total assets for the leverage ratio | 817,949 | 813,474 | 818,269 | 826,579 | 809,593 | 799,980 | 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 | $12.0M | $1.5M | 12.85% | 0.36% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $403.0M | $62.8M | 15.59% | 14.64% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $109.4M | $62.6M | 57.23% | 14.59% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.6M | $1.5M | 94.20% | 0.34% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $278.3M | $260.1M | 93.47% | 60.63% | RC-R Part II, item 4.d, 5.d |
| All other assets | $23.2M | $20.4M | 87.93% | 4.75% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $19.7M | $19.7M | 100.00% | 4.60% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $391K | NA | 0.09% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $428.7M | ties to item 31 ($428.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $429.0M | RCONB704 |
| Less: excess allowance for credit losses | $471K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $428.6M | 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 | 19.23% | 19.23% | 20.48% | 10.08% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 19.63% | 19.63% | 20.88% | 10.02% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 19.70% | 19.70% | 20.96% | 9.82% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 19.35% | 19.35% | 20.60% | 9.62% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 19.30% | 19.30% | 20.55% | 9.69% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 19.46% | 19.46% | 20.71% | 9.71% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 19.26% | 19.26% | 20.51% | 9.65% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 19.14% | 19.14% | 20.39% | 9.73% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 18.68% | 18.68% | 19.93% | 9.61% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 19.00% | 19.00% | 20.25% | 9.59% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 19.02% | 19.02% | 20.28% | 9.36% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 18.03% | 18.03% | 19.29% | 9.31% | 14.65% | 14.67% | 15.79% | 10.60% |
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 |
|---|---|---|---|---|---|---|
| Bank of Bridger, N.A. (this bank) | Risk-based | 19.23% | 19.23% | 20.48% | 10.08% | |
| Flagship Bank | $802.8M | CBLR | NA | NA | NA | 11.69% |
| MRV Banks | $803.1M | CBLR | NA | NA | NA | 11.48% |
| Western State Bank | $802.1M | Risk-based | 13.78% | 13.78% | 15.04% | 10.69% |
| Franklin Bank & Trust Company | $803.6M | CBLR | NA | NA | NA | 13.48% |
| The Citizens Bank | $804.3M | Risk-based | 17.62% | 17.62% | 18.63% | 9.11% |
| Primebank | $800.6M | Risk-based | 12.41% | 12.41% | 13.47% | 10.99% |
| Anchor Bank | $805.5M | CBLR | NA | NA | NA | 8.85% |
| CNB Bank, Inc. | $805.7M | Risk-based | 14.56% | 14.56% | 15.81% | 9.50% |
| Monson Savings Bank | $806.3M | CBLR | NA | NA | NA | 9.55% |
| The New Washington State Bank | $798.1M | CBLR | NA | NA | NA | 9.33% |
| Peer 25th percentile | 13.44% | 13.44% | 14.65% | 9.37% | ||
| Peer median | 14.17% | 14.17% | 15.43% | 10.12% | ||
| Peer 75th percentile | 15.33% | 15.33% | 16.52% | 11.35% | ||
| This bank's percentile | 100 | 100 | 100 | 50 |
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/17950/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.