Bank of Hope: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.65% (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: 5.65% (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 12.65% +6.15 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 | $1.98B | 1,980,731 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $15.65B | 15,653,192 | RCOAA223 |
| Recomputed ratio | 12.65% | numerator / denominator | |
| Filed ratio | 12.65% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.15 pp | $963.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.65% +4.65 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 | $1.98B | 1,980,731 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $15.65B | 15,653,192 | RCOAA223 |
| Recomputed ratio | 12.65% | numerator / denominator | |
| Filed ratio | 12.65% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.65 pp | $728.5M | capital that could be lost first |
Total risk-based capital ratio 13.65% +3.65 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 | $2.14B | 2,136,129 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $15.65B | 15,653,192 | RCOAA223 |
| Recomputed ratio | 13.65% | numerator / denominator | |
| Filed ratio | 13.65% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.65 pp | $570.8M | capital that could be lost first |
Tier 1 leverage ratio 10.82% +5.82 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 | $1.98B | 1,980,731 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $18.31B | 18,314,255 | RCOAA224 |
| Recomputed ratio | 10.82% | numerator / denominator | |
| Filed ratio | 10.82% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.82 pp | $1.07B | 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 | 1,730,885 | 1,728,418 | 1,728,193 | 1,726,180 | 1,724,722 | 1,663,887 | RCOAP742 |
| Retained earnings | 780,118 | 764,064 | 786,637 | 765,083 | 752,243 | 776,324 | RCOAKW00 |
| Accumulated other comprehensive income | (155,585) | (152,395) | (148,307) | (154,062) | (171,404) | (206,312) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 2,355,418 | 2,340,087 | 2,366,523 | 2,337,201 | 2,305,561 | 2,233,899 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (374,687) | (376,577) | (377,472) | (391,841) | (387,904) | (261,422) | P859 - P840 |
| Common equity Tier 1 capital | 1,980,731 | 1,963,510 | 1,989,051 | 1,945,360 | 1,917,657 | 1,972,477 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 1,980,731 | 1,963,510 | 1,989,051 | 1,945,360 | 1,917,657 | 1,972,477 | RCOA8274 |
| Tier 2 capital | 155,398 | 157,753 | 159,772 | 156,075 | 152,475 | 149,240 | RCOA5311 |
| Allowance includable in Tier 2 capital | 155,398 | 157,753 | 159,772 | 156,075 | 152,475 | 149,240 | RCOA5310 |
| Total capital | 2,136,129 | 2,121,263 | 2,148,823 | 2,101,435 | 2,070,132 | 2,121,717 | RCOA3792 |
| Total risk-weighted assets | 15,653,192 | 15,423,310 | 15,513,820 | 15,359,578 | 15,197,060 | 14,290,225 | RCOAA223 |
| Average total assets for the leverage ratio | 18,314,255 | 18,112,516 | 18,195,811 | 18,147,493 | 18,343,847 | 16,814,004 | 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 | $648.4M | $27.9M | 4.30% | 0.18% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $2.25B | $353.8M | 15.72% | 2.26% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $3.07B | $1.55B | 50.38% | 9.89% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $10.3M | $15.4M | 150.00% | 0.10% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $115.5M | $133.7M | 115.81% | 0.85% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $11.84B | $11.59B | 97.93% | 74.05% | RC-R Part II, item 4.d, 5.d |
| All other assets | $630.7M | $769.8M | 122.04% | 4.92% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.16B | $1.12B | 96.62% | 7.19% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $61.8M | $27.6M | 44.70% | 0.18% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $61.3M | NA | 0.39% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $15.59B | ties to item 31 ($15.59B) |
|---|---|---|
| Risk-weighted assets before deductions | $15.65B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $15.65B | 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 | 12.65% | 12.65% | 13.65% | 10.82% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 12.73% | 12.73% | 13.75% | 10.84% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 12.82% | 12.82% | 13.85% | 10.93% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 12.67% | 12.67% | 13.68% | 10.72% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 12.62% | 12.62% | 13.62% | 10.45% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 13.80% | 13.80% | 14.85% | 11.73% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 13.61% | 13.61% | 14.61% | 11.68% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 13.62% | 13.62% | 14.64% | 11.46% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 13.23% | 13.23% | 14.25% | 11.46% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 12.99% | 12.99% | 14.01% | 10.27% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 12.75% | 12.75% | 13.71% | 9.94% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 12.08% | 12.08% | 13.00% | 9.65% | 12.66% | 12.67% | 13.78% | 9.78% |
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 Hope (this bank) | Risk-based | 12.65% | 12.65% | 13.65% | 10.82% | |
| Trustmark Bank | $19.19B | Risk-based | 12.43% | 12.43% | 13.55% | 10.40% |
| FirstBank Puerto Rico | $19.22B | Risk-based | 15.96% | 16.71% | 17.97% | 11.54% |
| Stifel Bank and Trust | $19.62B | Risk-based | 10.97% | 10.97% | 11.77% | 7.07% |
| ServisFirst Bank | $18.34B | Risk-based | 12.00% | 12.01% | 13.10% | 11.09% |
| Busey Bank | $18.15B | Risk-based | 14.65% | 14.65% | 15.63% | 12.38% |
| Apple Bank | $19.89B | Risk-based | 11.68% | 11.68% | 12.12% | 7.74% |
| Third Federal Savings & Loan Association of Cleveland | $18.06B | Risk-based | 15.73% | 15.73% | 16.65% | 9.99% |
| The Central Trust Bank | $20.31B | Risk-based | 12.69% | 12.69% | 13.89% | 7.94% |
| Community Bank, N.A. | $17.45B | Risk-based | 11.72% | 11.73% | 12.54% | 7.86% |
| Peer 25th percentile | 11.72% | 11.73% | 12.54% | 7.86% | ||
| Peer median | 12.43% | 12.43% | 13.55% | 9.99% | ||
| Peer 75th percentile | 14.65% | 14.65% | 15.63% | 11.09% | ||
| This bank's percentile | 56 | 56 | 56 | 67 |
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/671464/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.