Bank of Crockett: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.56% (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: 6.56% (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 13.31% +6.81 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 | $31.2M | 31,162 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $234.2M | 234,162 | RCOAA223 |
| Recomputed ratio | 13.31% | numerator / denominator | |
| Filed ratio | 13.31% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.81 pp | $15.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.31% +5.31 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 | $31.2M | 31,162 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $234.2M | 234,162 | RCOAA223 |
| Recomputed ratio | 13.31% | numerator / denominator | |
| Filed ratio | 13.31% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.31 pp | $12.4M | capital that could be lost first |
Total risk-based capital ratio 14.56% +4.56 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 | $34.1M | 34,089 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $234.2M | 234,162 | RCOAA223 |
| Recomputed ratio | 14.56% | numerator / denominator | |
| Filed ratio | 14.56% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.56 pp | $10.7M | capital that could be lost first |
Tier 1 leverage ratio 10.46% +5.46 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 | $31.2M | 31,162 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $297.8M | 297,809 | RCOAA224 |
| Recomputed ratio | 10.46% | numerator / denominator | |
| Filed ratio | 10.46% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.46 pp | $16.3M | 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 | 3,150 | 3,150 | 3,150 | 3,150 | 3,150 | 3,150 | RCOAP742 |
| Retained earnings | 28,393 | 27,222 | 26,183 | 27,538 | 27,325 | 26,311 | RCOAKW00 |
| Accumulated other comprehensive income | (1,684) | (1,731) | (1,724) | (2,030) | (3,269) | (3,165) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 29,859 | 28,641 | 27,609 | 28,658 | 27,206 | 26,296 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,303 | 1,350 | 1,343 | 1,649 | 2,888 | 2,784 | P859 - P840 |
| Common equity Tier 1 capital | 31,162 | 29,991 | 28,952 | 30,307 | 30,094 | 29,080 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 31,162 | 29,991 | 28,952 | 30,307 | 30,094 | 29,080 | RCOA8274 |
| Tier 2 capital | 2,927 | 2,858 | 2,766 | 2,611 | 2,682 | 2,606 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,927 | 2,858 | 2,766 | 2,611 | 2,682 | 2,606 | RCOA5310 |
| Total capital | 34,089 | 32,849 | 31,718 | 32,918 | 32,776 | 31,686 | RCOA3792 |
| Total risk-weighted assets | 234,162 | 230,244 | 221,269 | 208,742 | 219,420 | 212,795 | RCOAA223 |
| Average total assets for the leverage ratio | 297,809 | 295,248 | 293,086 | 284,642 | 283,859 | 283,243 | 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 | $4.8M | $586K | 12.17% | 0.25% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $75.9M | $28.7M | 37.88% | 12.28% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $4.3M | $2.0M | 45.64% | 0.84% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $52.8M | $27.4M | 51.86% | 11.69% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $507K | $760K | 150.00% | 0.32% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $152.6M | $152.6M | 100.00% | 65.14% | RC-R Part II, item 4.d, 5.d |
| All other assets | $14.1M | $14.1M | 100.00% | 6.03% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $6.7M | $6.7M | 100.00% | 2.87% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1.4M | NA | 0.59% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $232.8M | does not tie to item 31 ($234.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $234.2M | RCONB704 |
| Less: excess allowance for credit losses | $32K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $234.2M | 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 | 13.31% | 13.31% | 14.56% | 10.46% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.03% | 13.03% | 14.27% | 10.16% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.08% | 13.08% | 14.33% | 9.88% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.52% | 14.52% | 15.77% | 10.65% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.72% | 13.72% | 14.94% | 10.60% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.67% | 13.67% | 14.89% | 10.27% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.31% | 14.31% | 15.56% | 10.14% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.41% | 14.41% | 15.66% | 10.41% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.41% | 13.41% | 14.60% | 10.09% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.01% | 15.01% | 16.26% | 9.93% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.23% | 15.23% | 16.48% | 9.84% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.43% | 14.43% | 15.68% | 10.26% | 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 Crockett (this bank) | Risk-based | 13.31% | 13.31% | 14.56% | 10.46% | |
| Farmers Savings Bank | $299.1M | CBLR | NA | NA | NA | 10.99% |
| The First National Bank of Pandora | $299.0M | Risk-based | 11.16% | 11.16% | 12.38% | 8.07% |
| Durden Banking Company, Incorporated | $299.2M | Risk-based | 21.55% | 21.55% | 22.80% | 16.24% |
| The Tri-County Bank | $299.3M | CBLR | NA | NA | NA | 8.45% |
| Caldwell Bank & Trust Company | $298.6M | CBLR | NA | NA | NA | 10.03% |
| Minnesota National Bank | $298.4M | Risk-based | 11.55% | 11.55% | 12.61% | 9.77% |
| Grant County Bank | $298.4M | CBLR | NA | NA | NA | 13.34% |
| Leighton State Bank | $298.2M | CBLR | NA | NA | NA | 10.99% |
| Redstone Bank | $298.2M | CBLR | NA | NA | NA | 11.98% |
| Peshtigo National Bank | $300.0M | Risk-based | 14.06% | 14.06% | 15.27% | 8.99% |
| Peer 25th percentile | 11.46% | 11.46% | 12.55% | 9.18% | ||
| Peer median | 12.81% | 12.81% | 13.94% | 10.51% | ||
| Peer 75th percentile | 15.93% | 15.93% | 17.15% | 11.73% | ||
| This bank's percentile | 50 | 50 | 50 | 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/324854/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.