BANK7: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.36% (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: 8.36% (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 15.18% +8.68 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 | $256.9M | 256,941 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.69B | 1,692,826 | RCOAA223 |
| Recomputed ratio | 15.18% | numerator / denominator | |
| Filed ratio | 15.18% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.68 pp | $146.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.18% +7.18 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 | $256.9M | 256,941 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.69B | 1,692,826 | RCOAA223 |
| Recomputed ratio | 15.18% | numerator / denominator | |
| Filed ratio | 15.18% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.18 pp | $121.5M | capital that could be lost first |
Total risk-based capital ratio 16.36% +6.36 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 | $276.9M | 276,917 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.69B | 1,692,826 | RCOAA223 |
| Recomputed ratio | 16.36% | numerator / denominator | |
| Filed ratio | 16.36% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.36 pp | $107.6M | capital that could be lost first |
Tier 1 leverage ratio 13.88% +8.88 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 | $256.9M | 256,941 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.85B | 1,851,397 | RCOAA224 |
| Recomputed ratio | 13.88% | numerator / denominator | |
| Filed ratio | 13.88% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.88 pp | $164.4M | 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 | 14,238 | 14,238 | 14,238 | 14,238 | 14,238 | 14,238 | RCOAP742 |
| Retained earnings | 253,590 | 247,218 | 238,252 | 229,467 | 220,312 | 210,700 | RCOAKW00 |
| Accumulated other comprehensive income | (2,573) | (2,687) | (2,546) | (3,021) | (3,742) | (4,329) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 265,255 | 258,769 | 249,944 | 240,684 | 230,808 | 220,609 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (8,314) | (8,231) | (8,403) | (7,960) | (7,270) | (6,714) | P859 - P840 |
| Common equity Tier 1 capital | 256,941 | 250,538 | 241,541 | 232,724 | 223,538 | 213,895 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 256,941 | 250,538 | 241,541 | 232,724 | 223,538 | 213,895 | RCOA8274 |
| Tier 2 capital | 19,976 | 19,916 | 19,871 | 19,869 | 18,686 | 18,626 | RCOA5311 |
| Allowance includable in Tier 2 capital | 19,976 | 19,916 | 19,871 | 19,869 | 18,686 | 18,626 | RCOA5310 |
| Total capital | 276,917 | 270,454 | 261,412 | 252,593 | 242,224 | 232,521 | RCOA3792 |
| Total risk-weighted assets | 1,692,826 | 1,694,164 | 1,713,999 | 1,635,842 | 1,608,572 | 1,524,854 | RCOAA223 |
| Average total assets for the leverage ratio | 1,851,397 | 1,892,213 | 1,884,256 | 1,831,094 | 1,789,374 | 1,726,031 | 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 | $222.1M | $8.5M | 3.84% | 0.50% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $55.0M | $15.2M | 27.63% | 0.90% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $150.6M | $79.0M | 52.42% | 4.66% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $6.3M | $6.3M | 100.00% | 0.37% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.45B | $1.41B | 97.65% | 83.39% | RC-R Part II, item 4.d, 5.d |
| All other assets | $56.6M | $55.3M | 97.66% | 3.27% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $120.8M | $117.0M | 96.81% | 6.91% | 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 | $1.69B | ties to item 31 ($1.69B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.69B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.69B | 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 | 15.18% | 15.18% | 16.36% | 13.88% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 14.79% | 14.79% | 15.96% | 13.24% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 14.09% | 14.09% | 15.25% | 12.82% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 14.23% | 14.23% | 15.44% | 12.71% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.90% | 13.90% | 15.06% | 12.49% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 14.03% | 14.03% | 15.25% | 12.39% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.99% | 13.99% | 15.22% | 12.18% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.93% | 12.93% | 14.12% | 11.64% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.03% | 13.03% | 14.28% | 11.12% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.11% | 12.11% | 13.36% | 10.10% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.50% | 11.50% | 12.75% | 9.50% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.40% | 11.40% | 12.65% | 9.75% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| BANK7 (this bank) | Risk-based | 15.18% | 15.18% | 16.36% | 13.88% | |
| BTC Bank | $1.91B | CBLR | NA | NA | NA | 9.35% |
| First American Bank | $1.91B | Risk-based | 17.94% | 17.94% | 19.19% | 11.79% |
| Bank of Bird-In-Hand | $1.91B | Risk-based | 10.76% | 10.76% | 11.39% | 9.82% |
| Fairfield County Bank | $1.92B | CBLR | NA | NA | NA | 14.32% |
| The Lowell Five Cent Savings Bank | $1.90B | Risk-based | 16.81% | 16.81% | 18.07% | 12.68% |
| First Northern Bank of Dixon | $1.93B | Risk-based | 17.75% | 17.75% | 18.97% | 11.95% |
| Whitaker Bank, Inc | $1.93B | CBLR | NA | NA | NA | 12.89% |
| Great Plains National Bank | $1.93B | Risk-based | 10.86% | 10.86% | 12.10% | 9.42% |
| Bankwest, Incorporated | $1.93B | Risk-based | 10.58% | 10.58% | 11.57% | 9.21% |
| Peer 25th percentile | 10.78% | 10.78% | 11.70% | 9.42% | ||
| Peer median | 13.84% | 13.84% | 15.08% | 11.79% | ||
| Peer 75th percentile | 17.51% | 17.51% | 18.74% | 12.68% | ||
| This bank's percentile | 50 | 50 | 50 | 89 |
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/18854/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.