Bank of Cave City: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 13.80% (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: 13.80% (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 20.62% +14.12 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 | $16.3M | 16,289 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $79.0M | 78,998 | RCOAA223 |
| Recomputed ratio | 20.62% | numerator / denominator | |
| Filed ratio | 20.62% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +14.12 pp | $11.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 20.62% +12.62 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 | $16.3M | 16,289 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $79.0M | 78,998 | RCOAA223 |
| Recomputed ratio | 20.62% | numerator / denominator | |
| Filed ratio | 20.62% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +12.62 pp | $9.9M | capital that could be lost first |
Total risk-based capital ratio 21.80% +11.80 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 | $17.2M | 17,222 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $79.0M | 78,998 | RCOAA223 |
| Recomputed ratio | 21.80% | numerator / denominator | |
| Filed ratio | 21.80% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +11.80 pp | $9.3M | capital that could be lost first |
Tier 1 leverage ratio 8.38% +3.38 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 | $16.3M | 16,289 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $194.3M | 194,306 | RCOAA224 |
| Recomputed ratio | 8.38% | numerator / denominator | |
| Filed ratio | 8.38% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.38 pp | $6.6M | 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 | 2,669 | 2,669 | 2,669 | 2,669 | 2,669 | 2,669 | RCOAP742 |
| Retained earnings | 13,776 | 13,695 | 13,603 | 13,496 | 13,547 | 13,309 | RCOAKW00 |
| Accumulated other comprehensive income | (4,905) | (5,047) | (4,568) | (4,793) | (5,646) | (5,885) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 11,540 | 11,317 | 11,704 | 11,372 | 10,570 | 10,093 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,749 | 4,891 | 4,412 | 4,637 | 5,490 | 5,729 | P859 - P840 |
| Common equity Tier 1 capital | 16,289 | 16,208 | 16,116 | 16,009 | 16,060 | 15,822 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 16,289 | 16,208 | 16,116 | 16,009 | 16,060 | 15,822 | RCOA8274 |
| Tier 2 capital | 933 | 940 | 921 | 924 | 923 | 911 | RCOA5311 |
| Allowance includable in Tier 2 capital | 933 | 940 | 921 | 924 | 923 | 911 | RCOA5310 |
| Total capital | 17,222 | 17,148 | 17,037 | 16,933 | 16,983 | 16,733 | RCOA3792 |
| Total risk-weighted assets | 78,998 | 80,551 | 73,709 | 74,511 | 75,502 | 78,766 | RCOAA223 |
| Average total assets for the leverage ratio | 194,306 | 189,433 | 191,585 | 191,144 | 191,041 | 192,137 | 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 | $2.7M | $197K | 7.40% | 0.25% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $45.2M | $9.9M | 22.04% | 12.61% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $6.1M | $1.2M | 20.00% | 1.54% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $24.3M | $13.0M | 53.68% | 16.51% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.5M | $886K | 59.99% | 1.12% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $106.0M | $42.2M | 39.76% | 53.36% | RC-R Part II, item 4.d, 5.d |
| All other assets | $14.2M | $11.1M | 77.73% | 14.01% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.8M | $478K | 17.31% | 0.61% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | -$400 | 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 | $79.0M | ties to item 31 ($79.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $79.0M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $79.0M | 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 | 20.62% | 20.62% | 21.80% | 8.38% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 20.12% | 20.12% | 21.29% | 8.56% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 21.86% | 21.86% | 23.11% | 8.41% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 21.49% | 21.49% | 22.73% | 8.38% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 21.27% | 21.27% | 22.49% | 8.41% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 20.09% | 20.09% | 21.24% | 8.23% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 20.48% | 20.48% | 21.70% | 8.34% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 20.10% | 20.10% | 21.31% | 8.29% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 18.72% | 18.72% | 19.76% | 8.46% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 20.00% | 20.00% | 21.23% | 8.51% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 19.68% | 19.68% | 20.95% | 8.00% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.05% | 14.05% | 15.30% | 8.20% | 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 Cave City (this bank) | Risk-based | 20.62% | 20.62% | 21.80% | 8.38% | |
| Community Bank of Elmhurst | $194.5M | Risk-based | 15.24% | 15.24% | 16.50% | 9.94% |
| Great Rivers Bank | $194.6M | Risk-based | 12.45% | 12.45% | 13.47% | 11.20% |
| Central Federal Savings and Loan Association | $194.6M | CBLR | NA | NA | NA | 10.32% |
| Citizens State Bank | $194.7M | CBLR | NA | NA | NA | 12.45% |
| The Fidelity State Bank and Trust Company | $194.8M | Risk-based | 153.07% | 153.07% | 154.34% | 23.58% |
| The Farmers State Bank | $193.9M | Risk-based | 13.05% | 13.05% | 14.28% | 9.30% |
| Liberty Bank | $193.9M | Risk-based | 20.76% | 20.76% | 21.60% | 12.21% |
| First National Bank of Absecon | $195.0M | CBLR | NA | NA | NA | 10.21% |
| Peoples Bank | $193.7M | CBLR | NA | NA | NA | 9.24% |
| Security Savings Bank | $193.7M | Risk-based | 15.15% | 15.15% | 16.40% | 13.17% |
| Peer 25th percentile | 13.57% | 13.57% | 14.81% | 10.01% | ||
| Peer median | 15.20% | 15.20% | 16.45% | 10.76% | ||
| Peer 75th percentile | 19.38% | 19.38% | 20.32% | 12.39% | ||
| This bank's percentile | 67 | 67 | 83 | 0 |
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/629148/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.