Bank of O'Fallon: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 16.38% (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: 16.38% (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 23.12% +16.62 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 | $51.9M | 51,934 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $224.6M | 224,632 | RCOAA223 |
| Recomputed ratio | 23.12% | numerator / denominator | |
| Filed ratio | 23.12% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +16.62 pp | $37.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 23.12% +15.12 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 | $51.9M | 51,934 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $224.6M | 224,632 | RCOAA223 |
| Recomputed ratio | 23.12% | numerator / denominator | |
| Filed ratio | 23.12% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +15.12 pp | $34.0M | capital that could be lost first |
Total risk-based capital ratio 24.38% +14.38 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 | $54.8M | 54,764 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $224.6M | 224,632 | RCOAA223 |
| Recomputed ratio | 24.38% | numerator / denominator | |
| Filed ratio | 24.38% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +14.38 pp | $32.3M | capital that could be lost first |
Tier 1 leverage ratio 13.82% +8.82 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 | $51.9M | 51,934 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $375.9M | 375,863 | RCOAA224 |
| Recomputed ratio | 13.82% | numerator / denominator | |
| Filed ratio | 13.82% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.82 pp | $33.1M | 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 | 12,040 | 12,040 | 12,040 | 12,040 | 12,040 | 12,040 | RCOAP742 |
| Retained earnings | 39,894 | 38,747 | 37,523 | 38,175 | 37,972 | 36,958 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 51,934 | 50,787 | 49,563 | 50,215 | 50,012 | 48,998 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 0 | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 51,934 | 50,787 | 49,563 | 50,215 | 50,012 | 48,998 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 51,934 | 50,787 | 49,563 | 50,215 | 50,012 | 48,998 | RCOA8274 |
| Tier 2 capital | 2,830 | 2,932 | 2,827 | 2,794 | 2,763 | 2,704 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,830 | 2,932 | 2,827 | 2,794 | 2,763 | 2,704 | RCOA5310 |
| Total capital | 54,764 | 53,719 | 52,390 | 53,009 | 52,775 | 51,702 | RCOA3792 |
| Total risk-weighted assets | 224,632 | 232,912 | 224,489 | 221,737 | 219,347 | 214,589 | RCOAA223 |
| Average total assets for the leverage ratio | 375,863 | 376,729 | 372,230 | 377,524 | 379,560 | 361,321 | 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 | $65.5M | $533K | 0.81% | 0.24% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $21.1M | $197K | 0.93% | 0.09% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $2.6M | $518K | 20.00% | 0.23% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $173.6M | $94.5M | 54.45% | 41.73% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $16.5M | $24.8M | 150.00% | 10.93% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $248K | $372K | 150.00% | 0.16% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $93.3M | $93.3M | 100.00% | 41.19% | RC-R Part II, item 4.d, 5.d |
| All other assets | $9.3M | $8.7M | 93.99% | 3.85% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $3.6M | $3.6M | 100.00% | 1.57% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $600 | 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 | $226.4M | ties to item 31 ($226.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $226.4M | RCONB704 |
| Less: excess allowance for credit losses | $1.8M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $224.6M | 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 | 23.12% | 23.12% | 24.38% | 13.82% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 21.81% | 21.81% | 23.06% | 13.48% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 22.08% | 22.08% | 23.34% | 13.32% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 22.65% | 22.65% | 23.91% | 13.30% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 22.80% | 22.80% | 24.06% | 13.18% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 22.83% | 22.83% | 24.09% | 13.56% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 22.50% | 22.50% | 23.76% | 13.82% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 21.45% | 21.45% | 22.71% | 13.46% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 22.52% | 22.52% | 23.78% | 13.67% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 21.82% | 21.82% | 23.09% | 13.87% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 22.25% | 22.25% | 23.51% | 13.21% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 22.57% | 22.57% | 23.84% | 13.19% | 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 O'Fallon (this bank) | Risk-based | 23.12% | 23.12% | 24.38% | 13.82% | |
| Bank of Commerce & Trust Company | $377.9M | CBLR | NA | NA | NA | 11.10% |
| 5STAR Bank | $378.2M | CBLR | NA | NA | NA | 17.24% |
| North Star Bank | $378.7M | CBLR | NA | NA | NA | 11.00% |
| Lamar National Bank | $375.9M | CBLR | NA | NA | NA | 10.64% |
| Bank of Hays | $379.2M | CBLR | NA | NA | NA | 9.97% |
| Merchants & Planters Bank | $379.4M | CBLR | NA | NA | NA | 10.15% |
| Peoples Bank of Kankakee County | $375.6M | Risk-based | 12.02% | 12.02% | 12.93% | 7.67% |
| The Fisher National Bank | $375.5M | CBLR | NA | NA | NA | 9.00% |
| Tower Community Bank | $375.4M | CBLR | NA | NA | NA | 10.43% |
| Banner Capital Bank | $379.8M | Risk-based | 11.96% | 11.96% | 13.21% | 10.96% |
| Peer 25th percentile | 11.98% | 11.98% | 13.00% | 10.01% | ||
| Peer median | 11.99% | 11.99% | 13.07% | 10.54% | ||
| Peer 75th percentile | 12.00% | 12.00% | 13.14% | 10.99% | ||
| This bank's percentile | 100 | 100 | 100 | 90 |
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/410748/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.