Bank of Newington: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.61% (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: 4.61% (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 11.35% +4.85 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 | $30.0M | 29,998 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $264.2M | 264,216 | RCOAA223 |
| Recomputed ratio | 11.35% | numerator / denominator | |
| Filed ratio | 11.35% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.85 pp | $12.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.35% +3.35 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 | $30.0M | 29,998 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $264.2M | 264,216 | RCOAA223 |
| Recomputed ratio | 11.35% | numerator / denominator | |
| Filed ratio | 11.35% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.35 pp | $8.9M | capital that could be lost first |
Total risk-based capital ratio 12.61% +2.61 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 | $33.3M | 33,328 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $264.2M | 264,216 | RCOAA223 |
| Recomputed ratio | 12.61% | numerator / denominator | |
| Filed ratio | 12.61% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.61 pp | $6.9M | capital that could be lost first |
Tier 1 leverage ratio 9.07% +4.07 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 | $30.0M | 29,998 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $330.6M | 330,618 | RCOAA224 |
| Recomputed ratio | 9.07% | numerator / denominator | |
| Filed ratio | 9.07% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.07 pp | $13.5M | 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 | 3,025 | 3,025 | 3,025 | 3,025 | 3,025 | 3,025 | RCOAP742 |
| Retained earnings | 26,973 | 25,762 | 25,132 | 24,551 | 23,714 | 22,487 | RCOAKW00 |
| Accumulated other comprehensive income | (249) | (147) | (41) | (11) | (310) | (242) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 29,749 | 28,640 | 28,116 | 27,565 | 26,429 | 25,270 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 249 | 147 | 41 | 11 | 310 | 242 | P859 - P840 |
| Common equity Tier 1 capital | 29,998 | 28,787 | 28,157 | 27,576 | 26,739 | 25,512 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 29,998 | 28,787 | 28,157 | 27,576 | 26,739 | 25,512 | RCOA8274 |
| Tier 2 capital | 3,330 | 3,229 | 3,024 | 2,870 | 2,871 | 2,757 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,330 | 3,229 | 3,024 | 2,870 | 2,871 | 2,757 | RCOA5310 |
| Total capital | 33,328 | 32,016 | 31,181 | 30,446 | 29,610 | 28,269 | RCOA3792 |
| Total risk-weighted assets | 264,216 | 256,160 | 239,843 | 227,867 | 228,081 | 218,967 | RCOAA223 |
| Average total assets for the leverage ratio | 330,618 | 323,438 | 312,177 | 307,535 | 292,010 | 281,405 | 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 | $29.1M | $2.3M | 7.82% | 0.85% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $28.5M | $9.5M | 33.35% | 3.57% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $20K | $4K | 20.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $89.2M | $45.6M | 51.11% | 17.11% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $3.9M | $5.9M | 150.00% | 2.20% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $1.3M | $1.9M | 150.00% | 0.71% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $170.6M | $167.6M | 98.22% | 62.90% | RC-R Part II, item 4.d, 5.d |
| All other assets | $16.3M | $16.0M | 97.67% | 5.99% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $17.8M | $17.8M | 100.00% | 6.67% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $100 | 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 | $266.5M | ties to item 31 ($266.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $266.5M | RCONB704 |
| Less: excess allowance for credit losses | $2.2M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $264.2M | 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 | 11.35% | 11.35% | 12.61% | 9.07% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.24% | 11.24% | 12.50% | 8.90% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.74% | 11.74% | 13.00% | 9.02% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.10% | 12.10% | 13.36% | 8.97% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.72% | 11.72% | 12.98% | 9.16% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.65% | 11.65% | 12.91% | 9.07% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.94% | 11.94% | 13.20% | 9.35% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.27% | 12.27% | 13.53% | 8.90% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.85% | 11.85% | 13.10% | 8.57% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 10.92% | 10.92% | 12.17% | 8.76% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.48% | 11.48% | 12.73% | 9.08% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.36% | 11.36% | 12.62% | 8.88% | 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 Newington (this bank) | Risk-based | 11.35% | 11.35% | 12.61% | 9.07% | |
| Community State Bank of Missouri | $333.9M | CBLR | NA | NA | NA | 11.02% |
| Ultima Bank Minnesota | $333.9M | CBLR | NA | NA | NA | 10.83% |
| Bank of Commerce | $334.0M | CBLR | NA | NA | NA | 10.54% |
| Franklin Bank | $334.1M | Risk-based | 17.38% | 17.38% | 18.26% | 10.28% |
| Reliance Bank | $334.1M | Risk-based | 11.79% | 11.79% | 13.03% | 8.98% |
| Altamaha Bank and Trust Company | $334.1M | Risk-based | 13.08% | 13.08% | 13.87% | 10.19% |
| STRYV Bank | $333.3M | Risk-based | 9.96% | 9.96% | 10.94% | 8.91% |
| Global One Bank | $333.2M | Risk-based | 18.38% | 18.38% | 19.63% | 14.47% |
| The Millyard Bank | $333.2M | CBLR | NA | NA | NA | 9.70% |
| Stock Growers Bank | $332.9M | CBLR | NA | NA | NA | 11.56% |
| Peer 25th percentile | 11.79% | 11.79% | 13.03% | 9.82% | ||
| Peer median | 13.08% | 13.08% | 13.87% | 10.41% | ||
| Peer 75th percentile | 17.38% | 17.38% | 18.26% | 10.98% | ||
| This bank's percentile | 20 | 20 | 20 | 20 |
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/948531/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.