Bank of Richmondville: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 20.78% (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: 20.78% (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 27.52% +21.02 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 | $22.1M | 22,085 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $80.2M | 80,247 | RCOAA223 |
| Recomputed ratio | 27.52% | numerator / denominator | |
| Filed ratio | 27.52% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +21.02 pp | $16.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 27.52% +19.52 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 | $22.1M | 22,085 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $80.2M | 80,247 | RCOAA223 |
| Recomputed ratio | 27.52% | numerator / denominator | |
| Filed ratio | 27.52% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +19.52 pp | $15.7M | capital that could be lost first |
Total risk-based capital ratio 28.78% +18.78 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 | $23.1M | 23,093 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $80.2M | 80,247 | RCOAA223 |
| Recomputed ratio | 28.78% | numerator / denominator | |
| Filed ratio | 28.78% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +18.78 pp | $15.1M | capital that could be lost first |
Tier 1 leverage ratio 11.54% +6.54 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 | $22.1M | 22,085 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $191.3M | 191,340 | RCOAA224 |
| Recomputed ratio | 11.54% | numerator / denominator | |
| Filed ratio | 11.54% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.54 pp | $12.5M | 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 | 310 | 310 | 310 | 310 | 310 | 310 | RCOAP742 |
| Retained earnings | 21,775 | 21,498 | 21,328 | 21,093 | 20,841 | 20,581 | RCOAKW00 |
| Accumulated other comprehensive income | (3,374) | (3,544) | (2,909) | (3,260) | (4,520) | (4,183) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 18,711 | 18,264 | 18,729 | 18,143 | 16,631 | 16,708 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,374 | 3,544 | 2,909 | 3,260 | 4,520 | 4,183 | P859 - P840 |
| Common equity Tier 1 capital | 22,085 | 21,808 | 21,638 | 21,403 | 21,151 | 20,891 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 22,085 | 21,808 | 21,638 | 21,403 | 21,151 | 20,891 | RCOA8274 |
| Tier 2 capital | 1,008 | 994 | 998 | 1,008 | 1,028 | 1,037 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,008 | 994 | 998 | 1,008 | 1,028 | 1,037 | RCOA5310 |
| Total capital | 23,093 | 22,802 | 22,636 | 22,411 | 22,179 | 21,928 | RCOA3792 |
| Total risk-weighted assets | 80,247 | 79,152 | 79,475 | 80,283 | 81,800 | 82,606 | RCOAA223 |
| Average total assets for the leverage ratio | 191,340 | 186,975 | 184,845 | 184,972 | 188,198 | 185,860 | 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 | $13.9M | $461K | 3.33% | 0.57% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $83.6M | $16.8M | 20.08% | 20.82% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $587K | $117K | 20.00% | 0.15% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $61.2M | $30.6M | 50.00% | 37.92% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $72K | $72K | 100.00% | 0.09% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $23.5M | $23.1M | 98.61% | 28.69% | RC-R Part II, item 4.d, 5.d |
| All other assets | $9.1M | $9.0M | 98.95% | 11.12% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $525K | $525K | 100.00% | 0.65% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $400 | 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 | $80.6M | ties to item 31 ($80.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $80.6M | RCONB704 |
| Less: excess allowance for credit losses | $399K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $80.2M | 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 | 27.52% | 27.52% | 28.78% | 11.54% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 27.55% | 27.55% | 28.81% | 11.66% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 27.23% | 27.23% | 28.48% | 11.71% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 26.66% | 26.66% | 27.91% | 11.57% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 25.86% | 25.86% | 27.11% | 11.24% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 25.29% | 25.29% | 26.55% | 11.24% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 24.89% | 24.89% | 26.14% | 10.76% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 25.46% | 25.46% | 26.71% | 11.46% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 25.84% | 25.84% | 27.10% | 11.83% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 25.30% | 25.30% | 26.56% | 11.69% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 25.53% | 25.53% | 26.78% | 11.57% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 24.61% | 24.61% | 25.86% | 11.63% | 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 Richmondville (this bank) | Risk-based | 27.52% | 27.52% | 28.78% | 11.54% | |
| United Republic Bank | $185.8M | CBLR | NA | NA | NA | 11.57% |
| Citizens Federal Savings & Loan Association | $186.1M | Risk-based | 20.15% | 20.15% | 20.45% | 10.90% |
| Farmers State Bank | $186.2M | Risk-based | 31.65% | 31.65% | 32.91% | 15.44% |
| Liberty Trust & Savings Bank | $186.2M | CBLR | NA | NA | NA | 20.65% |
| State Bank of Bement | $185.6M | CBLR | NA | NA | NA | 10.19% |
| The Home National Bank of Thorntown | $185.6M | CBLR | NA | NA | NA | 10.37% |
| Tensas State Bank | $185.5M | CBLR | NA | NA | NA | 13.87% |
| Peoples Bank | $185.4M | CBLR | NA | NA | NA | 9.56% |
| Pine River State Bank | $185.3M | Risk-based | 16.36% | 16.36% | 17.61% | 8.48% |
| Southwind Bank | $186.6M | CBLR | NA | NA | NA | 10.42% |
| Peer 25th percentile | 18.25% | 18.25% | 19.03% | 10.23% | ||
| Peer median | 20.15% | 20.15% | 20.45% | 10.66% | ||
| Peer 75th percentile | 25.90% | 25.90% | 26.68% | 13.29% | ||
| This bank's percentile | 67 | 67 | 67 | 60 |
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/767611/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.