Bankers Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.25% (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: 4.25% (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 10.95% +4.45 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 | $794.5M | 794,493 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.25B | 7,254,706 | RCOAA223 |
| Recomputed ratio | 10.95% | numerator / denominator | |
| Filed ratio | 10.95% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.45 pp | $322.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.03% +3.03 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 | $800.5M | 800,493 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.25B | 7,254,706 | RCOAA223 |
| Recomputed ratio | 11.03% | numerator / denominator | |
| Filed ratio | 11.03% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.03 pp | $220.1M | capital that could be lost first |
Total risk-based capital ratio 12.25% +2.25 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 | $889.0M | 889,007 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.25B | 7,254,706 | RCOAA223 |
| Recomputed ratio | 12.25% | numerator / denominator | |
| Filed ratio | 12.25% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.25 pp | $163.5M | capital that could be lost first |
Tier 1 leverage ratio 10.10% +5.10 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 | $800.5M | 800,493 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $7.93B | 7,928,829 | RCOAA224 |
| Recomputed ratio | 10.10% | numerator / denominator | |
| Filed ratio | 10.10% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.10 pp | $404.1M | 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 | 163,246 | 163,246 | 163,246 | 163,246 | 163,246 | 163,246 | RCOAP742 |
| Retained earnings | 631,247 | 615,749 | 601,106 | 587,822 | 570,317 | 555,647 | RCOAKW00 |
| Accumulated other comprehensive income | (57,321) | (66,903) | (54,057) | (67,585) | (85,052) | (90,619) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 737,172 | 712,092 | 710,295 | 683,483 | 648,511 | 628,274 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 57,321 | 66,903 | 54,057 | 67,585 | 85,052 | 90,619 | P859 - P840 |
| Common equity Tier 1 capital | 794,493 | 778,995 | 764,352 | 751,068 | 733,563 | 718,893 | RCOAP859 |
| Additional Tier 1 capital | 6,000 | 6,000 | 6,000 | 6,000 | 6,000 | 6,000 | RCOAP865 |
| Tier 1 capital | 800,493 | 784,995 | 770,352 | 757,068 | 739,563 | 724,893 | RCOA8274 |
| Tier 2 capital | 88,514 | 87,951 | 85,546 | 83,126 | 80,330 | 77,540 | RCOA5311 |
| Allowance includable in Tier 2 capital | 88,514 | 87,951 | 85,546 | 83,126 | 80,330 | 77,540 | RCOA5310 |
| Total capital | 889,007 | 872,946 | 855,898 | 840,194 | 819,893 | 802,433 | RCOA3792 |
| Total risk-weighted assets | 7,254,706 | 7,148,531 | 7,122,375 | 7,106,113 | 7,131,688 | 6,980,614 | RCOAA223 |
| Average total assets for the leverage ratio | 7,928,829 | 7,598,220 | 7,612,266 | 7,592,414 | 7,494,802 | 7,300,371 | 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 | $297.4M | $18.6M | 6.24% | 0.26% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.28B | $252.2M | 19.72% | 3.48% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $157.0M | $0 | 0.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $653.1M | $389.3M | 59.61% | 5.37% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $35.4M | $53.0M | 150.00% | 0.73% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $17.2M | $25.8M | 150.00% | 0.36% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $5.32B | $5.31B | 99.86% | 73.21% | RC-R Part II, item 4.d, 5.d |
| All other assets | $312.2M | $302.0M | 96.74% | 4.16% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $870.3M | $868.6M | 99.81% | 11.97% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $94.0M | $21.3M | 22.65% | 0.29% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $12.8M | NA | 0.18% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $7.24B | ties to item 31 ($7.24B) |
|---|---|---|
| Risk-weighted assets before deductions | $7.25B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $7.25B | 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 | 10.95% | 11.03% | 12.25% | 10.10% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.90% | 10.98% | 12.21% | 10.33% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.73% | 10.82% | 12.02% | 10.12% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 10.57% | 10.65% | 11.82% | 9.97% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 10.29% | 10.37% | 11.50% | 9.87% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 10.30% | 10.38% | 11.50% | 9.93% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 10.01% | 10.09% | 11.16% | 9.88% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.04% | 10.13% | 11.18% | 10.09% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.26% | 10.35% | 11.41% | 10.05% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.11% | 10.20% | 11.40% | 10.08% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 9.99% | 10.08% | 11.26% | 10.04% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 9.91% | 10.01% | 11.23% | 9.96% | 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 |
|---|---|---|---|---|---|---|
| Bankers Trust Company (this bank) | Risk-based | 10.95% | 11.03% | 12.25% | 10.10% | |
| Stockman Bank of Montana | $7.75B | Risk-based | 12.01% | 12.01% | 13.27% | 9.89% |
| Bangor Savings Bank | $7.74B | Risk-based | 10.38% | 10.38% | 11.14% | 7.79% |
| Preferred Bank | $7.73B | Risk-based | 11.06% | 11.06% | 13.74% | 10.55% |
| Equity Bank | $7.71B | Risk-based | 13.08% | 13.08% | 14.22% | 10.64% |
| Hanmi Bank | $7.95B | Risk-based | 13.40% | 13.40% | 14.48% | 11.71% |
| Peapack Private Bank and Trust | $7.96B | Risk-based | 10.60% | 10.60% | 11.65% | 8.96% |
| Kearny Bank | $7.67B | Risk-based | 13.44% | 13.44% | 14.38% | 8.83% |
| Ocean Bank | $7.63B | Risk-based | 11.41% | 11.41% | 12.66% | 9.96% |
| Bank of Colorado | $7.61B | Risk-based | 14.74% | 14.74% | 15.99% | 10.53% |
| Peer 25th percentile | 11.06% | 11.06% | 12.66% | 8.96% | ||
| Peer median | 12.01% | 12.01% | 13.74% | 9.96% | ||
| Peer 75th percentile | 13.40% | 13.40% | 14.38% | 10.55% | ||
| This bank's percentile | 22 | 22 | 22 | 56 |
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/811046/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.