Bank of Maysville: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 23.08% (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: 23.08% (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 30.26% +23.76 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 | $27.8M | 27,815 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $91.9M | 91,911 | RCOAA223 |
| Recomputed ratio | 30.26% | numerator / denominator | |
| Filed ratio | 30.26% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +23.76 pp | $21.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 30.26% +22.26 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 | $27.8M | 27,815 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $91.9M | 91,911 | RCOAA223 |
| Recomputed ratio | 30.26% | numerator / denominator | |
| Filed ratio | 30.26% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +22.26 pp | $20.5M | capital that could be lost first |
Total risk-based capital ratio 31.08% +21.08 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 | $28.6M | 28,562 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $91.9M | 91,911 | RCOAA223 |
| Recomputed ratio | 31.08% | numerator / denominator | |
| Filed ratio | 31.08% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +21.08 pp | $19.4M | capital that could be lost first |
Tier 1 leverage ratio 16.94% +11.94 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 | $27.8M | 27,815 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $164.2M | 164,156 | RCOAA224 |
| Recomputed ratio | 16.94% | numerator / denominator | |
| Filed ratio | 16.94% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +11.94 pp | $19.6M | 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 | 13,000 | 13,000 | 13,000 | 13,000 | 13,000 | 13,000 | RCOAP742 |
| Retained earnings | 17,336 | 17,130 | 16,575 | 16,444 | 15,912 | 15,667 | RCOAKW00 |
| Accumulated other comprehensive income | (1,702) | (2,022) | (1,738) | (2,074) | (2,689) | (3,279) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 28,634 | 28,108 | 27,837 | 27,370 | 26,223 | 25,388 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (819) | (499) | (783) | (447) | 168 | 758 | P859 - P840 |
| Common equity Tier 1 capital | 27,815 | 27,609 | 27,054 | 26,923 | 26,391 | 26,146 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 27,815 | 27,609 | 27,054 | 26,923 | 26,391 | 26,146 | RCOA8274 |
| Tier 2 capital | 747 | 737 | 740 | 717 | 718 | 708 | RCOA5311 |
| Allowance includable in Tier 2 capital | 747 | 737 | 740 | 717 | 718 | 708 | RCOA5310 |
| Total capital | 28,562 | 28,346 | 27,794 | 27,640 | 27,109 | 26,854 | RCOA3792 |
| Total risk-weighted assets | 91,911 | 94,019 | 94,048 | 93,588 | 94,204 | 91,589 | RCOAA223 |
| Average total assets for the leverage ratio | 164,156 | 161,591 | 161,659 | 164,900 | 165,577 | 164,249 | 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 | $5.5M | $321K | 5.83% | 0.35% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $62.9M | $21.5M | 34.22% | 23.43% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $5.9M | $1.2M | 20.00% | 1.28% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $45.2M | $22.9M | 50.63% | 24.89% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $41.8M | $41.8M | 99.95% | 45.47% | RC-R Part II, item 4.d, 5.d |
| All other assets | $3.2M | $2.9M | 92.26% | 3.20% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.3M | $1.3M | 100.00% | 1.39% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | -$200 | 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 | $91.9M | ties to item 31 ($91.9M) |
|---|---|---|
| Risk-weighted assets before deductions | $91.9M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $91.9M | 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 | 30.26% | 30.26% | 31.08% | 16.94% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 29.37% | 29.37% | 30.15% | 17.09% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 28.77% | 28.77% | 29.55% | 16.74% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 28.77% | 28.77% | 29.53% | 16.33% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 28.01% | 28.01% | 28.78% | 15.94% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 28.55% | 28.55% | 29.32% | 15.92% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 28.40% | 28.40% | 29.18% | 16.07% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 29.04% | 29.04% | 29.82% | 15.97% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 29.04% | 29.04% | 29.83% | 15.52% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 29.29% | 29.29% | 30.09% | 15.48% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 29.38% | 29.38% | 30.20% | 15.06% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 28.52% | 28.52% | 29.32% | 15.05% | 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 Maysville (this bank) | Risk-based | 30.26% | 30.26% | 31.08% | 16.94% | |
| Northeast Missouri State Bank | $164.1M | Risk-based | 21.24% | 21.24% | 22.18% | 11.11% |
| Movement Bank | $164.2M | Risk-based | 16.64% | 16.64% | 18.95% | 11.09% |
| Commercial Trust Company of Fayette | $163.8M | CBLR | NA | NA | NA | 10.41% |
| Auburn Banking Company | $164.3M | Risk-based | 11.00% | 11.00% | 11.80% | 8.26% |
| Beacon Business Bank, N.A. | $164.4M | CBLR | NA | NA | NA | 11.63% |
| The Salyersville National Bank | $163.5M | Risk-based | 23.15% | 23.15% | 23.94% | 14.24% |
| Northwestern Bank, N.A. | $164.7M | CBLR | NA | NA | NA | 11.15% |
| The Harrison County Bank | $164.9M | CBLR | NA | NA | NA | 10.21% |
| The Farmers National Bank of Lebanon | $163.0M | CBLR | NA | NA | NA | 10.72% |
| Security Bank of Pulaski County | $162.9M | Risk-based | 13.55% | 13.55% | 14.80% | 8.91% |
| Peer 25th percentile | 13.55% | 13.55% | 14.80% | 10.26% | ||
| Peer median | 16.64% | 16.64% | 18.95% | 10.90% | ||
| Peer 75th percentile | 21.24% | 21.24% | 22.18% | 11.14% | ||
| 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/782016/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.