Bank of Millbrook: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 17.58% (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: 17.58% (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 24.32% +17.82 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 | $38.5M | 38,547 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $158.5M | 158,494 | RCOAA223 |
| Recomputed ratio | 24.32% | numerator / denominator | |
| Filed ratio | 24.32% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +17.82 pp | $28.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 24.32% +16.32 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 | $38.5M | 38,547 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $158.5M | 158,494 | RCOAA223 |
| Recomputed ratio | 24.32% | numerator / denominator | |
| Filed ratio | 24.32% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +16.32 pp | $25.9M | capital that could be lost first |
Total risk-based capital ratio 25.58% +15.58 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 | $40.5M | 40,539 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $158.5M | 158,494 | RCOAA223 |
| Recomputed ratio | 25.58% | numerator / denominator | |
| Filed ratio | 25.58% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +15.58 pp | $24.7M | capital that could be lost first |
Tier 1 leverage ratio 12.11% +7.11 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 | $38.5M | 38,547 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $318.3M | 318,253 | RCOAA224 |
| Recomputed ratio | 12.11% | numerator / denominator | |
| Filed ratio | 12.11% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.11 pp | $22.6M | 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 | 2,920 | 2,920 | 2,920 | 2,920 | 2,920 | 2,920 | RCOAP742 |
| Retained earnings | 37,334 | 36,101 | 34,159 | 33,217 | 31,968 | 30,860 | RCOAKW00 |
| Accumulated other comprehensive income | (1,262) | (530) | 6 | 545 | (747) | (991) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 38,992 | 38,491 | 37,085 | 36,682 | 34,141 | 32,789 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (445) | (1,177) | (1,713) | (2,297) | (1,005) | (761) | P859 - P840 |
| Common equity Tier 1 capital | 38,547 | 37,314 | 35,372 | 34,385 | 33,136 | 32,028 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 38,547 | 37,314 | 35,372 | 34,385 | 33,136 | 32,028 | RCOA8274 |
| Tier 2 capital | 1,992 | 1,858 | 1,899 | 1,824 | 1,911 | 1,578 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,992 | 1,858 | 1,899 | 1,824 | 1,911 | 1,578 | RCOA5310 |
| Total capital | 40,539 | 39,172 | 37,271 | 36,209 | 35,047 | 33,606 | RCOA3792 |
| Total risk-weighted assets | 158,494 | 147,729 | 151,075 | 145,068 | 152,089 | 125,199 | RCOAA223 |
| Average total assets for the leverage ratio | 318,253 | 321,255 | 308,584 | 286,891 | 283,547 | 282,547 | 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 | $45.0M | $318K | 0.71% | 0.20% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $111.2M | $35.1M | 31.57% | 22.02% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $8.3M | $1.7M | 20.00% | 1.04% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $70.6M | $35.3M | 50.00% | 22.14% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $2.4M | $2.4M | 100.00% | 1.53% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $65.3M | $65.3M | 100.00% | 41.00% | RC-R Part II, item 4.d, 5.d |
| All other assets | $10.9M | $10.9M | 100.00% | 6.87% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $6.5M | $6.5M | 100.00% | 4.07% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1.8M | NA | 1.14% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $157.6M | ties to item 31 ($157.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $159.4M | RCONB704 |
| Less: excess allowance for credit losses | $873K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $158.5M | 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 | 24.32% | 24.32% | 25.58% | 12.11% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 25.26% | 25.26% | 26.52% | 11.62% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 23.41% | 23.41% | 24.67% | 11.46% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 23.70% | 23.70% | 24.96% | 11.99% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 21.79% | 21.79% | 23.04% | 11.69% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 25.58% | 25.58% | 26.84% | 11.34% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 22.05% | 22.05% | 23.31% | 10.80% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 24.05% | 24.05% | 25.31% | 10.63% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 23.08% | 23.08% | 24.34% | 10.37% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 23.75% | 23.75% | 25.01% | 9.82% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 22.25% | 22.25% | 23.52% | 9.31% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 23.38% | 23.38% | 24.64% | 9.28% | 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 Millbrook (this bank) | Risk-based | 24.32% | 24.32% | 25.58% | 12.11% | |
| Citizens State Bank of Loyal | $311.5M | CBLR | NA | NA | NA | 11.48% |
| Horatio State Bank | $311.5M | CBLR | NA | NA | NA | 12.03% |
| Wray State Bank | $312.0M | CBLR | NA | NA | NA | 9.92% |
| Goppert Financial Bank | $312.0M | CBLR | NA | NA | NA | 10.07% |
| Carthage Savings and Loan, N.A. | $312.1M | Risk-based | 25.26% | 25.26% | 26.25% | 12.86% |
| The Union Bank | $312.2M | CBLR | NA | NA | NA | 10.12% |
| Neighborhood National Bank | $312.2M | Risk-based | 16.54% | 16.54% | 17.56% | 11.24% |
| 1st Bank of Sea Isle City | $311.1M | Risk-based | 16.48% | 16.48% | 17.27% | 9.72% |
| Seneca Savings Bank, N.A. | $312.5M | CBLR | NA | NA | NA | 9.84% |
| Community Bank | $310.8M | Risk-based | 23.98% | 23.98% | 24.99% | 16.02% |
| Peer 25th percentile | 16.53% | 16.53% | 17.49% | 9.96% | ||
| Peer median | 20.26% | 20.26% | 21.27% | 10.68% | ||
| Peer 75th percentile | 24.30% | 24.30% | 25.30% | 11.89% | ||
| This bank's percentile | 75 | 75 | 75 | 80 |
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/175609/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.