BANK3: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.74% (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: 4.74% (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 11.70% +5.20 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 | $53.1M | 53,136 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $454.2M | 454,217 | RCOAA223 |
| Recomputed ratio | 11.70% | numerator / denominator | |
| Filed ratio | 11.70% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.20 pp | $23.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.70% +3.70 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 | $53.1M | 53,136 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $454.2M | 454,217 | RCOAA223 |
| Recomputed ratio | 11.70% | numerator / denominator | |
| Filed ratio | 11.70% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.70 pp | $16.8M | capital that could be lost first |
Total risk-based capital ratio 12.74% +2.74 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 | $57.9M | 57,873 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $454.2M | 454,217 | RCOAA223 |
| Recomputed ratio | 12.74% | numerator / denominator | |
| Filed ratio | 12.74% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.74 pp | $12.5M | capital that could be lost first |
Tier 1 leverage ratio 10.98% +5.98 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 | $53.1M | 53,136 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $483.8M | 483,793 | RCOAA224 |
| Recomputed ratio | 10.98% | numerator / denominator | |
| Filed ratio | 10.98% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.98 pp | $28.9M | 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 | 50,516 | 48,421 | 48,406 | 48,310 | 48,295 | 48,279 | RCOAP742 |
| Retained earnings | 2,620 | 4,231 | 3,877 | 3,706 | 3,443 | 4,005 | RCOAKW00 |
| Accumulated other comprehensive income | (1,297) | (1,253) | (1,118) | (1,180) | (1,468) | (1,423) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 51,839 | 51,399 | 51,165 | 50,836 | 50,270 | 50,861 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,297 | 1,253 | 1,118 | 1,180 | 1,468 | 1,423 | P859 - P840 |
| Common equity Tier 1 capital | 53,136 | 52,652 | 52,283 | 52,016 | 51,738 | 52,284 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 53,136 | 52,652 | 52,283 | 52,016 | 51,738 | 52,284 | RCOA8274 |
| Tier 2 capital | 4,737 | 4,682 | 4,563 | 4,779 | 4,654 | 4,550 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,737 | 4,682 | 4,563 | 4,779 | 4,654 | 4,550 | RCOA5310 |
| Total capital | 57,873 | 57,334 | 56,846 | 56,795 | 56,392 | 56,834 | RCOA3792 |
| Total risk-weighted assets | 454,217 | 449,061 | 451,332 | 442,452 | 429,185 | 407,765 | RCOAA223 |
| Average total assets for the leverage ratio | 483,793 | 477,060 | 474,170 | 462,748 | 446,149 | 432,777 | 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 | $23.1M | $1.5M | 6.68% | 0.34% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $26.4M | $7.6M | 28.61% | 1.67% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $16.0M | $3.2M | 20.00% | 0.70% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $80.5M | $55.9M | 69.34% | 12.30% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $219K | $328K | 150.00% | 0.07% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $333.0M | $331.2M | 99.45% | 72.91% | RC-R Part II, item 4.d, 5.d |
| All other assets | $18.8M | $20.8M | 110.73% | 4.58% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $33.5M | $33.5M | 100.00% | 7.37% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $306K | $306K | 100.00% | 0.07% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1K | 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 | $454.2M | ties to item 31 ($454.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $454.2M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $454.2M | 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 | 11.70% | 11.70% | 12.74% | 10.98% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.72% | 11.72% | 12.77% | 11.04% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.58% | 11.58% | 12.60% | 11.03% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.76% | 11.76% | 12.84% | 11.24% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.05% | 12.05% | 13.14% | 11.60% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.82% | 12.82% | 13.94% | 12.08% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.13% | 13.13% | 14.26% | 12.08% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.83% | 12.83% | 13.96% | 11.94% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.52% | 12.52% | 13.62% | 11.68% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.79% | 12.79% | 13.91% | 11.73% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.76% | 12.76% | 13.88% | 11.72% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.89% | 12.89% | 14.02% | 11.30% | 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 |
|---|---|---|---|---|---|---|
| BANK3 (this bank) | Risk-based | 11.70% | 11.70% | 12.74% | 10.98% | |
| Solutions Bank | $491.6M | Risk-based | 13.36% | 13.36% | 14.08% | 8.83% |
| Arundel Bank | $492.1M | CBLR | NA | NA | NA | 13.98% |
| Lifestore Bank | $491.3M | Risk-based | 18.65% | 18.65% | 19.90% | 11.92% |
| Fulton Savings Bank | $492.3M | Risk-based | 41.32% | 41.32% | 41.71% | 31.44% |
| Security State Bank | $492.3M | CBLR | NA | NA | NA | 11.12% |
| The Citizens Bank of Clovis | $491.2M | CBLR | NA | NA | NA | 11.66% |
| Century Bank & Trust | $490.7M | CBLR | NA | NA | NA | 11.79% |
| Evabank | $490.6M | CBLR | NA | NA | NA | 27.85% |
| The First State Bank | $493.2M | CBLR | NA | NA | NA | 13.05% |
| Peer 25th percentile | 16.00% | 16.00% | 16.99% | 11.66% | ||
| Peer median | 18.65% | 18.65% | 19.90% | 11.92% | ||
| Peer 75th percentile | 29.99% | 29.99% | 30.81% | 13.98% | ||
| This bank's percentile | 0 | 0 | 0 | 11 |
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/502652/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.