The Bank of Clovis: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 14.93% (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: 14.93% (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 21.67% +15.17 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 | $49.9M | 49,920 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $230.3M | 230,337 | RCOAA223 |
| Recomputed ratio | 21.67% | numerator / denominator | |
| Filed ratio | 21.67% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +15.17 pp | $34.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 21.67% +13.67 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 | $49.9M | 49,920 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $230.3M | 230,337 | RCOAA223 |
| Recomputed ratio | 21.67% | numerator / denominator | |
| Filed ratio | 21.67% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +13.67 pp | $31.5M | capital that could be lost first |
Total risk-based capital ratio 22.93% +12.93 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 | $52.8M | 52,809 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $230.3M | 230,337 | RCOAA223 |
| Recomputed ratio | 22.93% | numerator / denominator | |
| Filed ratio | 22.93% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +12.93 pp | $29.8M | capital that could be lost first |
Tier 1 leverage ratio 10.84% +5.84 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 | $49.9M | 49,920 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $460.6M | 460,629 | RCOAA224 |
| Recomputed ratio | 10.84% | numerator / denominator | |
| Filed ratio | 10.84% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.84 pp | $26.9M | 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 | 20,387 | 20,387 | 20,387 | 20,387 | 20,387 | 20,387 | RCOAP742 |
| Retained earnings | 29,533 | 28,835 | 27,951 | 26,909 | 25,598 | 24,494 | RCOAKW00 |
| Accumulated other comprehensive income | (5,702) | (4,876) | (4,657) | (5,124) | (7,290) | (6,934) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 44,218 | 44,346 | 43,681 | 42,172 | 38,695 | 37,947 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,702 | 4,876 | 4,657 | 5,124 | 7,290 | 6,934 | P859 - P840 |
| Common equity Tier 1 capital | 49,920 | 49,222 | 48,338 | 47,296 | 45,985 | 44,881 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 49,920 | 49,222 | 48,338 | 47,296 | 45,985 | 44,881 | RCOA8274 |
| Tier 2 capital | 2,889 | 2,850 | 2,887 | 2,857 | 2,778 | 2,598 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,889 | 2,850 | 2,887 | 2,857 | 2,778 | 2,598 | RCOA5310 |
| Total capital | 52,809 | 52,072 | 51,225 | 50,153 | 48,763 | 47,479 | RCOA3792 |
| Total risk-weighted assets | 230,337 | 227,284 | 230,471 | 228,122 | 222,080 | 207,673 | RCOAA223 |
| Average total assets for the leverage ratio | 460,629 | 455,447 | 462,237 | 413,419 | 407,612 | 390,756 | 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 | $46.9M | $4.6M | 9.90% | 2.01% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $153.9M | $23.3M | 15.13% | 10.07% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $21.4M | $2.5M | 11.68% | 1.08% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $62.8M | $31.4M | 50.00% | 13.57% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $543K | $814K | 150.00% | 0.35% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $150.2M | $148.4M | 98.76% | 64.18% | RC-R Part II, item 4.d, 5.d |
| All other assets | $21.7M | $12.7M | 58.50% | 5.49% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.1M | $2.1M | 100.00% | 0.92% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $5.4M | NA | 2.32% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $225.8M | does not tie to item 31 ($231.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $231.2M | RCONB704 |
| Less: excess allowance for credit losses | $837K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $230.3M | 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 | 21.67% | 21.67% | 22.93% | 10.84% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 21.66% | 21.66% | 22.91% | 10.81% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 20.97% | 20.97% | 22.23% | 10.46% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 20.73% | 20.73% | 21.99% | 11.44% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 20.71% | 20.71% | 21.96% | 11.28% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 21.61% | 21.61% | 22.86% | 11.49% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 21.53% | 21.53% | 22.78% | 11.25% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 22.31% | 22.31% | 23.56% | 12.21% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 19.39% | 19.39% | 20.65% | 10.57% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 18.87% | 18.87% | 20.12% | 10.84% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 19.35% | 19.35% | 20.60% | 10.60% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 18.84% | 18.84% | 20.09% | 9.85% | 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 |
|---|---|---|---|---|---|---|
| The Bank of Clovis (this bank) | Risk-based | 21.67% | 21.67% | 22.93% | 10.84% | |
| The Bank of Clarendon | $438.3M | CBLR | NA | NA | NA | 11.66% |
| First National Bank Minnesota | $437.8M | Risk-based | 13.18% | 13.18% | 14.43% | 9.81% |
| Morgantown Bank & Trust Company, Incorporated | $439.7M | Risk-based | 11.44% | 11.44% | 12.28% | 8.17% |
| Oostburg State Bank | $440.2M | Risk-based | 13.17% | 13.17% | 14.38% | 11.64% |
| Texas Champion Bank | $436.6M | CBLR | NA | NA | NA | 10.48% |
| Frontier Bank | $436.4M | Risk-based | 18.00% | 18.00% | 19.26% | 10.78% |
| Spring Bank | $440.7M | CBLR | NA | NA | NA | 11.57% |
| Eureka Savings Bank | $435.8M | Risk-based | 38.19% | 38.19% | 39.44% | 21.56% |
| Jones Bank | $441.2M | CBLR | NA | NA | NA | 11.18% |
| The St. Henry Bank | $435.6M | CBLR | NA | NA | NA | 13.61% |
| Peer 25th percentile | 13.17% | 13.17% | 14.38% | 10.56% | ||
| Peer median | 13.18% | 13.18% | 14.43% | 11.38% | ||
| Peer 75th percentile | 18.00% | 18.00% | 19.26% | 11.66% | ||
| This bank's percentile | 80 | 80 | 80 | 40 |
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/2948423/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.