Bank of England: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 17.76% (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: 17.76% (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 24.59% +18.09 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 | $66.2M | 66,192 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $269.2M | 269,186 | RCOAA223 |
| Recomputed ratio | 24.59% | numerator / denominator | |
| Filed ratio | 24.59% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +18.09 pp | $48.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 24.59% +16.59 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 | $66.2M | 66,192 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $269.2M | 269,186 | RCOAA223 |
| Recomputed ratio | 24.59% | numerator / denominator | |
| Filed ratio | 24.59% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +16.59 pp | $44.7M | capital that could be lost first |
Total risk-based capital ratio 25.76% +15.76 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 | $69.4M | 69,352 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $269.2M | 269,186 | RCOAA223 |
| Recomputed ratio | 25.76% | numerator / denominator | |
| Filed ratio | 25.76% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +15.76 pp | $42.4M | capital that could be lost first |
Tier 1 leverage ratio 19.91% +14.91 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 | $66.2M | 66,192 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $332.5M | 332,466 | RCOAA224 |
| Recomputed ratio | 19.91% | numerator / denominator | |
| Filed ratio | 19.91% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +14.91 pp | $49.6M | 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 | 850 | 850 | 850 | 850 | 850 | 850 | RCOAP742 |
| Retained earnings | 65,342 | 65,097 | 64,757 | 64,610 | 64,079 | 64,710 | RCOAKW00 |
| Accumulated other comprehensive income | (1,164) | (845) | (29) | (66) | (338) | (332) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 65,028 | 65,102 | 65,578 | 65,394 | 64,591 | 65,228 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,164 | 845 | 29 | 66 | 338 | 332 | P859 - P840 |
| Common equity Tier 1 capital | 66,192 | 65,947 | 65,607 | 65,460 | 64,929 | 65,560 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 66,192 | 65,947 | 65,607 | 65,460 | 64,929 | 65,560 | RCOA8274 |
| Tier 2 capital | 3,160 | 3,083 | 3,255 | 3,335 | 3,520 | 3,538 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,160 | 3,083 | 3,255 | 3,335 | 3,520 | 3,538 | RCOA5310 |
| Total capital | 69,352 | 69,030 | 68,862 | 68,795 | 68,449 | 69,098 | RCOA3792 |
| Total risk-weighted assets | 269,186 | 268,616 | 274,121 | 282,412 | 283,888 | 282,931 | RCOAA223 |
| Average total assets for the leverage ratio | 332,466 | 327,107 | 334,810 | 333,510 | 340,241 | 364,377 | 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 | $35.2M | $6.2M | 17.50% | 2.28% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $168.4M | $39.2M | 23.30% | 14.58% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $33.6M | $17.8M | 52.97% | 6.62% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $1K | $2K | 150.00% | 0.00% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $664K | $996K | 150.00% | 0.37% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $64.2M | $59.1M | 92.00% | 21.95% | RC-R Part II, item 4.d, 5.d |
| All other assets | $34.1M | $57.9M | 169.70% | 21.50% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $1.6M | $19.4M | 1250.00% | 7.22% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $20.4M | $20.4M | 100.00% | 7.57% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $48.2M | NA | 17.91% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $221.0M | ties to item 31 ($221.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $269.2M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $269.2M | 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 | 24.59% | 24.59% | 25.76% | 19.91% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 24.55% | 24.55% | 25.70% | 20.16% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 23.93% | 23.93% | 25.12% | 19.60% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 23.18% | 23.18% | 24.36% | 19.63% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 22.87% | 22.87% | 24.11% | 19.08% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 23.17% | 23.17% | 24.42% | 17.99% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 21.96% | 21.96% | 23.12% | 17.23% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.80% | 15.80% | 16.82% | 13.83% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 15.02% | 15.02% | 15.81% | 14.01% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.60% | 14.60% | 15.89% | 13.56% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.20% | 15.20% | 16.49% | 13.38% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 16.89% | 16.89% | 18.18% | 14.01% | 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 England (this bank) | Risk-based | 24.59% | 24.59% | 25.76% | 19.91% | |
| Copiah Bank | $332.2M | CBLR | NA | NA | NA | 11.80% |
| Clare Bank, N.A. | $332.5M | Risk-based | 24.17% | 24.17% | 24.71% | 11.64% |
| O'Bannon Banking Company | $332.6M | CBLR | NA | NA | NA | 9.36% |
| The Havana National Bank | $332.8M | CBLR | NA | NA | NA | 12.17% |
| Stock Growers Bank | $332.9M | CBLR | NA | NA | NA | 11.56% |
| The Harvard State Bank | $331.5M | Risk-based | 14.44% | 14.44% | 15.45% | 8.79% |
| The Millyard Bank | $333.2M | CBLR | NA | NA | NA | 9.70% |
| Global One Bank | $333.2M | Risk-based | 18.38% | 18.38% | 19.63% | 14.47% |
| STRYV Bank | $333.3M | Risk-based | 9.96% | 9.96% | 10.94% | 8.91% |
| Woodlands National Bank | $331.0M | Risk-based | 23.71% | 23.71% | 24.94% | 11.20% |
| Peer 25th percentile | 14.44% | 14.44% | 15.45% | 9.44% | ||
| Peer median | 18.38% | 18.38% | 19.63% | 11.38% | ||
| Peer 75th percentile | 23.71% | 23.71% | 24.71% | 11.76% | ||
| This bank's percentile | 100 | 100 | 100 | 100 |
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/244149/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.