Bank of Greene: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.10% (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: 9.10% (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 15.85% +9.35 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 | $304.4M | 304,439 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.92B | 1,920,184 | RCOAA223 |
| Recomputed ratio | 15.85% | numerator / denominator | |
| Filed ratio | 15.85% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.35 pp | $179.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.85% +7.85 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 | $304.4M | 304,439 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.92B | 1,920,184 | RCOAA223 |
| Recomputed ratio | 15.85% | numerator / denominator | |
| Filed ratio | 15.85% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.85 pp | $150.8M | capital that could be lost first |
Total risk-based capital ratio 17.10% +7.10 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 | $328.3M | 328,258 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.92B | 1,920,184 | RCOAA223 |
| Recomputed ratio | 17.10% | numerator / denominator | |
| Filed ratio | 17.10% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.10 pp | $136.2M | capital that could be lost first |
Tier 1 leverage ratio 9.88% +4.88 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 | $304.4M | 304,439 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.08B | 3,082,496 | RCOAA224 |
| Recomputed ratio | 9.88% | numerator / denominator | |
| Filed ratio | 9.88% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.88 pp | $150.3M | 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 | 36,469 | 36,469 | 36,469 | 36,469 | 36,469 | 36,469 | RCOAP742 |
| Retained earnings | 267,970 | 266,335 | 255,505 | 244,885 | 235,400 | 240,522 | RCOAKW00 |
| Accumulated other comprehensive income | (11,483) | (11,196) | (11,701) | (12,286) | (13,536) | (14,700) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 292,956 | 291,608 | 280,273 | 269,068 | 258,333 | 262,291 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 11,483 | 11,196 | 11,701 | 12,286 | 13,536 | 14,700 | P859 - P840 |
| Common equity Tier 1 capital | 304,439 | 302,804 | 291,974 | 281,354 | 271,869 | 276,991 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 304,439 | 302,804 | 291,974 | 281,354 | 271,869 | 276,991 | RCOA8274 |
| Tier 2 capital | 23,819 | 23,581 | 23,343 | 22,753 | 22,083 | 21,874 | RCOA5311 |
| Allowance includable in Tier 2 capital | 23,819 | 23,581 | 23,343 | 22,753 | 22,083 | 21,874 | RCOA5310 |
| Total capital | 328,258 | 326,385 | 315,317 | 304,107 | 293,952 | 298,865 | RCOA3792 |
| Total risk-weighted assets | 1,920,184 | 1,922,546 | 1,867,415 | 1,819,607 | 1,766,316 | 1,748,458 | RCOAA223 |
| Average total assets for the leverage ratio | 3,082,496 | 3,080,544 | 3,116,674 | 2,946,347 | 2,941,148 | 2,911,708 | 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 | $147.0M | $2.3M | 1.53% | 0.12% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.19B | $270.4M | 22.65% | 14.08% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $532.3M | $290.9M | 54.65% | 15.15% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $593K | $890K | 150.00% | 0.05% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.22B | $1.22B | 99.95% | 63.54% | RC-R Part II, item 4.d, 5.d |
| All other assets | $127.9M | $113.1M | 88.40% | 5.89% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $794K | $794K | 100.00% | 0.04% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $23.9M | $21.8M | 91.02% | 1.13% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $300 | 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 | $1.92B | ties to item 31 ($1.92B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.92B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.92B | 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 | 15.85% | 15.85% | 17.10% | 9.88% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 15.75% | 15.75% | 16.98% | 9.83% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 15.64% | 15.64% | 16.89% | 9.37% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 15.46% | 15.46% | 16.71% | 9.55% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 15.39% | 15.39% | 16.64% | 9.24% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 15.84% | 15.84% | 17.09% | 9.51% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 16.02% | 16.02% | 17.27% | 9.34% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 16.18% | 16.18% | 17.43% | 9.62% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 15.86% | 15.86% | 17.11% | 9.29% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 16.05% | 16.05% | 17.30% | 9.40% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 15.61% | 15.61% | 16.87% | 9.26% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 15.30% | 15.30% | 16.55% | 9.10% | 12.78% | 12.79% | 13.93% | 10.03% |
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 Greene (this bank) | Risk-based | 15.85% | 15.85% | 17.10% | 9.88% | |
| Unity Bank | $3.18B | Risk-based | 14.27% | 14.27% | 15.52% | 12.88% |
| Exchange Bank | $3.19B | Risk-based | 18.98% | 18.98% | 20.23% | 12.64% |
| First Citizens Community Bank | $3.19B | CBLR | NA | NA | NA | 9.64% |
| First National Bank | $3.18B | Risk-based | 13.05% | 13.05% | 14.18% | 9.20% |
| 1st Security Bank of Washington | $3.18B | Risk-based | 12.84% | 12.84% | 14.01% | 11.44% |
| North American Savings Bank, FSB | $3.20B | Risk-based | 17.49% | 17.49% | 18.74% | 14.21% |
| U.S. Bank Trust Company, N.A. | $3.21B | Risk-based | 409.95% | 409.95% | 409.95% | 98.64% |
| Monet Bank | $3.16B | Risk-based | 135.52% | 135.52% | 136.07% | 31.69% |
| Farmers Bank & Trust Company | $3.16B | CBLR | NA | NA | NA | 9.87% |
| Centreville Bank | $3.15B | CBLR | NA | NA | NA | 13.35% |
| Peer 25th percentile | 13.66% | 13.66% | 14.85% | 10.26% | ||
| Peer median | 17.49% | 17.49% | 18.74% | 12.76% | ||
| Peer 75th percentile | 77.25% | 77.25% | 78.15% | 14.00% | ||
| This bank's percentile | 43 | 43 | 43 | 30 |
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/214106/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.