Bankchampaign, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.89% (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: 7.89% (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 14.63% +8.13 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 | $30.1M | 30,078 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $205.6M | 205,638 | RCOAA223 |
| Recomputed ratio | 14.63% | numerator / denominator | |
| Filed ratio | 14.63% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.13 pp | $16.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.63% +6.63 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 | $30.1M | 30,078 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $205.6M | 205,638 | RCOAA223 |
| Recomputed ratio | 14.63% | numerator / denominator | |
| Filed ratio | 14.63% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.63 pp | $13.6M | capital that could be lost first |
Total risk-based capital ratio 15.89% +5.89 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 | $32.7M | 32,666 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $205.6M | 205,638 | RCOAA223 |
| Recomputed ratio | 15.89% | numerator / denominator | |
| Filed ratio | 15.89% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.89 pp | $12.1M | capital that could be lost first |
Tier 1 leverage ratio 11.84% +6.84 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 | $30.1M | 30,078 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $254.1M | 254,138 | RCOAA224 |
| Recomputed ratio | 11.84% | numerator / denominator | |
| Filed ratio | 11.84% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.84 pp | $17.4M | 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 | 11,998 | 11,998 | 11,998 | 11,998 | 11,998 | 11,998 | RCOAP742 |
| Retained earnings | 18,080 | 18,475 | 18,184 | 16,786 | 16,476 | 17,146 | RCOAKW00 |
| Accumulated other comprehensive income | (1,024) | (913) | (888) | (964) | (1,188) | (1,239) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 29,054 | 29,560 | 29,294 | 27,820 | 27,286 | 27,905 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,024 | 913 | 888 | 964 | 1,188 | 1,239 | P859 - P840 |
| Common equity Tier 1 capital | 30,078 | 30,473 | 30,182 | 28,784 | 28,474 | 29,144 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 30,078 | 30,473 | 30,182 | 28,784 | 28,474 | 29,144 | RCOA8274 |
| Tier 2 capital | 2,588 | 2,617 | 2,732 | 2,696 | 2,599 | 2,687 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,588 | 2,617 | 2,732 | 2,696 | 2,599 | 2,687 | RCOA5310 |
| Total capital | 32,666 | 33,090 | 32,914 | 31,480 | 31,073 | 31,831 | RCOA3792 |
| Total risk-weighted assets | 205,638 | 208,055 | 217,447 | 214,608 | 206,737 | 214,027 | RCOAA223 |
| Average total assets for the leverage ratio | 254,138 | 252,397 | 249,620 | 243,860 | 235,772 | 237,119 | 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 | $21.6M | $246K | 1.14% | 0.12% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $20.9M | $0 | 0.00% | 0.00% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $12.8M | $12.8M | 100.00% | 6.20% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $51.2M | $29.0M | 56.55% | 13.99% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $4.2M | $6.4M | 150.00% | 3.08% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $141.7M | $141.7M | 100.00% | 68.42% | RC-R Part II, item 4.d, 5.d |
| All other assets | $6.8M | $6.0M | 87.70% | 2.90% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $10.1M | $10.1M | 100.00% | 4.89% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $831K | NA | 0.40% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $206.2M | ties to item 31 ($206.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $207.1M | RCONB704 |
| Less: excess allowance for credit losses | $1.4M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $205.6M | 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 | 14.63% | 14.63% | 15.89% | 11.84% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.65% | 14.65% | 15.90% | 12.07% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.88% | 13.88% | 15.14% | 12.09% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.41% | 13.41% | 14.67% | 11.80% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.77% | 13.77% | 15.03% | 12.08% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.62% | 13.62% | 14.87% | 12.29% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.83% | 14.83% | 16.08% | 13.46% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.31% | 15.31% | 16.57% | 12.96% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.52% | 14.52% | 15.78% | 12.51% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.21% | 15.21% | 16.46% | 12.92% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.01% | 15.01% | 16.27% | 13.45% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.38% | 15.38% | 16.64% | 13.50% | 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 |
|---|---|---|---|---|---|---|
| Bankchampaign, N.A. (this bank) | Risk-based | 14.63% | 14.63% | 15.89% | 11.84% | |
| First Farmers & Merchants National Bank | $242.6M | Risk-based | 14.32% | 14.32% | 15.31% | 11.62% |
| Center National Bank | $242.6M | Risk-based | 16.56% | 16.56% | 17.76% | 11.05% |
| Citizens Progressive Bank | $243.3M | CBLR | NA | NA | NA | 11.31% |
| Citizens Bank & Trust Company | $242.3M | CBLR | NA | NA | NA | 11.45% |
| First Pioneer National Bank | $243.4M | CBLR | NA | NA | NA | 12.53% |
| The Idabel National Bank | $242.3M | Risk-based | 23.53% | 23.53% | 24.81% | 16.18% |
| The Turbotville National Bank | $243.5M | CBLR | NA | NA | NA | 16.49% |
| Waycross Bank & Trust | $242.2M | CBLR | NA | NA | NA | 12.15% |
| Arcadian Bank | $242.1M | CBLR | NA | NA | NA | 12.01% |
| Peer 25th percentile | 15.44% | 15.44% | 16.54% | 11.45% | ||
| Peer median | 16.56% | 16.56% | 17.76% | 12.01% | ||
| Peer 75th percentile | 20.05% | 20.05% | 21.28% | 12.53% | ||
| This bank's percentile | 33 | 33 | 33 | 44 |
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/436739/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.