The Bank of Missouri: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.23% (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: 3.23% (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 10.30% +3.80 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 | $374.1M | 374,052 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.63B | 3,633,245 | RCOAA223 |
| Recomputed ratio | 10.30% | numerator / denominator | |
| Filed ratio | 10.30% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.80 pp | $137.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.30% +2.30 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 | $374.1M | 374,052 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.63B | 3,633,245 | RCOAA223 |
| Recomputed ratio | 10.30% | numerator / denominator | |
| Filed ratio | 10.30% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.30 pp | $83.4M | capital that could be lost first |
Total risk-based capital ratio 11.23% +1.23 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 | $408.1M | 408,116 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.63B | 3,633,245 | RCOAA223 |
| Recomputed ratio | 11.23% | numerator / denominator | |
| Filed ratio | 11.23% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.23 pp | $44.8M | capital that could be lost first |
Tier 1 leverage ratio 9.15% +4.15 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 | $374.1M | 374,052 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $4.09B | 4,087,109 | RCOAA224 |
| Recomputed ratio | 9.15% | numerator / denominator | |
| Filed ratio | 9.15% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.15 pp | $169.7M | 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 | 309,760 | 309,760 | 123,661 | 123,661 | 123,661 | 123,661 | RCOAP742 |
| Retained earnings | 201,382 | 198,329 | 238,997 | 239,797 | 235,510 | 206,801 | RCOAKW00 |
| Accumulated other comprehensive income | (15,488) | (16,939) | (15,726) | (17,057) | (22,364) | (22,022) | RCOAB530 |
| Common equity Tier 1 minority interest | 464 | 464 | 464 | 464 | 464 | 464 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 496,118 | 491,614 | 347,396 | 346,865 | 337,271 | 308,904 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (122,066) | (120,791) | (26,980) | (25,823) | (20,689) | (21,204) | P859 - P840 |
| Common equity Tier 1 capital | 374,052 | 370,823 | 320,416 | 321,042 | 316,582 | 287,700 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 374,052 | 370,823 | 320,416 | 321,042 | 316,582 | 287,700 | RCOA8274 |
| Tier 2 capital | 34,064 | 21,251 | 21,453 | 21,417 | 21,844 | 21,438 | RCOA5311 |
| Allowance includable in Tier 2 capital | 34,064 | 21,251 | 21,453 | 21,417 | 21,844 | 21,438 | RCOA5310 |
| Total capital | 408,116 | 392,074 | 341,869 | 342,459 | 338,426 | 309,138 | RCOA3792 |
| Total risk-weighted assets | 3,633,245 | 3,580,611 | 2,381,892 | 2,407,938 | 2,446,969 | 2,344,400 | RCOAA223 |
| Average total assets for the leverage ratio | 4,087,109 | 3,706,464 | 3,028,355 | 3,015,155 | 2,988,075 | 3,003,183 | 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 | $51.5M | $4.8M | 9.42% | 0.13% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $589.5M | $225.7M | 38.29% | 6.21% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $711.4M | $386.6M | 54.34% | 10.64% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $32.7M | $49.0M | 150.00% | 1.35% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $47.1M | $70.7M | 150.00% | 1.95% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.39B | $2.34B | 97.77% | 64.34% | RC-R Part II, item 4.d, 5.d |
| All other assets | $316.5M | $310.2M | 97.99% | 8.54% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $262.2M | $239.3M | 91.25% | 6.59% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $2.6M | $613K | 24.01% | 0.02% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $8.7M | NA | 0.24% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $3.62B | ties to item 31 ($3.62B) |
|---|---|---|
| Risk-weighted assets before deductions | $3.63B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $3.63B | 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 | 10.30% | 10.30% | 11.23% | 9.15% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.36% | 10.36% | 10.95% | 10.00% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.45% | 13.45% | 14.35% | 10.58% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.33% | 13.33% | 14.22% | 10.65% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.94% | 12.94% | 13.83% | 10.59% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.27% | 12.27% | 13.19% | 9.58% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.43% | 12.43% | 13.33% | 9.52% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.50% | 12.50% | 13.41% | 9.53% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.53% | 12.53% | 13.44% | 9.77% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.19% | 13.19% | 14.11% | 10.29% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.59% | 13.59% | 14.49% | 10.63% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.61% | 13.61% | 14.49% | 10.66% | 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 |
|---|---|---|---|---|---|---|
| The Bank of Missouri (this bank) | Risk-based | 10.30% | 10.30% | 11.23% | 9.15% | |
| Inwood National Bank | $4.26B | Risk-based | 16.18% | 16.18% | 16.98% | 10.79% |
| Royal Business Bank | $4.27B | Risk-based | 19.68% | 19.68% | 20.93% | 12.54% |
| The First Bank and Trust Company | $4.28B | Risk-based | 12.58% | 12.58% | 13.83% | 10.07% |
| Civista Bank | $4.29B | Risk-based | 16.39% | 16.39% | 17.64% | 12.71% |
| Bessemer Trust Company, N.A. | $4.16B | Risk-based | 23.20% | 23.20% | 23.20% | 7.62% |
| United Community Bank | $4.13B | Risk-based | 13.70% | 13.70% | 14.87% | 10.17% |
| National Cooperative Bank, N.A. | $4.33B | Risk-based | 14.05% | 14.05% | 14.99% | 11.28% |
| Woori America Bank | $4.12B | Risk-based | 18.34% | 18.34% | 19.60% | 12.78% |
| Primis Bank | $4.34B | Risk-based | 10.63% | 10.63% | 11.88% | 9.51% |
| Texas Bank and Trust Company | $4.34B | Risk-based | 15.85% | 15.85% | 17.10% | 13.10% |
| Peer 25th percentile | 13.79% | 13.79% | 14.90% | 10.09% | ||
| Peer median | 16.02% | 16.02% | 17.04% | 11.04% | ||
| Peer 75th percentile | 17.85% | 17.85% | 19.11% | 12.67% | ||
| This bank's percentile | 0 | 0 | 0 | 10 |
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/330855/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.