Bank of Ocean City: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.28% (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: 7.28% (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 14.55% +8.05 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 | $78.0M | 78,016 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $536.1M | 536,125 | RCOAA223 |
| Recomputed ratio | 14.55% | numerator / denominator | |
| Filed ratio | 14.55% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.05 pp | $43.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.55% +6.55 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 | $78.0M | 78,016 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $536.1M | 536,125 | RCOAA223 |
| Recomputed ratio | 14.55% | numerator / denominator | |
| Filed ratio | 14.55% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.55 pp | $35.1M | capital that could be lost first |
Total risk-based capital ratio 15.28% +5.28 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 | $81.9M | 81,929 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $536.1M | 536,125 | RCOAA223 |
| Recomputed ratio | 15.28% | numerator / denominator | |
| Filed ratio | 15.28% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.28 pp | $28.3M | capital that could be lost first |
Tier 1 leverage ratio 11.65% +6.65 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 | $78.0M | 78,016 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $669.4M | 669,431 | RCOAA224 |
| Recomputed ratio | 11.65% | numerator / denominator | |
| Filed ratio | 11.65% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.65 pp | $44.5M | 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 | 9,296 | 9,296 | 9,296 | 9,296 | 10,043 | 10,043 | RCOAP742 |
| Retained earnings | 68,720 | 67,061 | 64,811 | 63,309 | 60,738 | 59,159 | RCOAKW00 |
| Accumulated other comprehensive income | (1,651) | (1,550) | (1,552) | (1,499) | (1,822) | (1,869) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 76,365 | 74,807 | 72,555 | 71,106 | 68,959 | 67,333 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,651 | 1,550 | 1,552 | 1,499 | 1,822 | 1,869 | P859 - P840 |
| Common equity Tier 1 capital | 78,016 | 76,357 | 74,107 | 72,605 | 70,781 | 69,202 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 78,016 | 76,357 | 74,107 | 72,605 | 70,781 | 69,202 | RCOA8274 |
| Tier 2 capital | 3,913 | 3,780 | 3,628 | 3,397 | 3,184 | 3,061 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,913 | 3,780 | 3,628 | 3,397 | 3,184 | 3,061 | RCOA5310 |
| Total capital | 81,929 | 80,137 | 77,735 | 76,002 | 73,965 | 72,263 | RCOA3792 |
| Total risk-weighted assets | 536,125 | 528,899 | 512,985 | 502,400 | 511,917 | 486,680 | RCOAA223 |
| Average total assets for the leverage ratio | 669,431 | 663,145 | 696,773 | 730,383 | 667,723 | 655,118 | 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 | $52.9M | $1.7M | 3.26% | 0.32% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $102.1M | $20.2M | 19.80% | 3.77% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $204K | $41K | 20.00% | 0.01% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $140.1M | $76.1M | 54.32% | 14.20% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $3.1M | $1.5M | 50.00% | 0.29% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $380.4M | $380.4M | 100.00% | 70.95% | RC-R Part II, item 4.d, 5.d |
| All other assets | $22.2M | $21.1M | 95.22% | 3.94% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $37.0M | $35.0M | 94.55% | 6.53% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $300 | 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 | $536.1M | ties to item 31 ($536.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $536.1M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $536.1M | 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 | 14.55% | 14.55% | 15.28% | 11.65% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.44% | 14.44% | 15.15% | 11.51% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.45% | 14.45% | 15.15% | 10.64% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.45% | 14.45% | 15.13% | 9.94% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.83% | 13.83% | 14.45% | 10.60% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.22% | 14.22% | 14.85% | 10.56% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.24% | 14.24% | 14.85% | 10.04% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.13% | 14.13% | 14.76% | 9.78% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.92% | 13.92% | 14.56% | 10.35% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.04% | 14.04% | 14.69% | 10.26% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.95% | 13.95% | 14.61% | 9.74% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.03% | 14.03% | 14.68% | 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 Ocean City (this bank) | Risk-based | 14.55% | 14.55% | 15.28% | 11.65% | |
| First Community Bank of Central Alabama | $694.3M | Risk-based | 10.76% | 10.76% | 12.02% | 8.57% |
| Banknorth | $694.1M | Risk-based | 10.47% | 10.47% | 11.51% | 10.32% |
| Southwest Bank | $693.7M | CBLR | NA | NA | NA | 11.33% |
| County Bank | $696.4M | Risk-based | 18.96% | 18.96% | 19.83% | 15.41% |
| Baker Boyer National Bank | $692.9M | Risk-based | 15.43% | 15.43% | 16.46% | 9.25% |
| Hometown Bank | $691.9M | Risk-based | 10.75% | 10.75% | 11.99% | 8.28% |
| Citizens National Bank | $691.8M | Risk-based | 17.18% | 17.18% | 18.43% | 12.73% |
| Premier Bank Minnesota | $691.5M | Risk-based | 12.43% | 12.43% | 13.68% | 10.02% |
| American Nation Bank | $691.5M | CBLR | NA | NA | NA | 10.31% |
| Trupoint Bank | $690.8M | CBLR | NA | NA | NA | 10.60% |
| Peer 25th percentile | 10.76% | 10.76% | 12.00% | 9.44% | ||
| Peer median | 12.43% | 12.43% | 13.68% | 10.32% | ||
| Peer 75th percentile | 16.31% | 16.31% | 17.45% | 11.15% | ||
| This bank's percentile | 57 | 57 | 57 | 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/147923/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.