BankNewport: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.62% (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: 5.62% (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 12.70% +6.20 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 | $326.3M | 326,325 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.57B | 2,570,488 | RCOAA223 |
| Recomputed ratio | 12.70% | numerator / denominator | |
| Filed ratio | 12.70% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.20 pp | $159.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.70% +4.70 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 | $326.3M | 326,325 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.57B | 2,570,488 | RCOAA223 |
| Recomputed ratio | 12.70% | numerator / denominator | |
| Filed ratio | 12.70% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.70 pp | $120.7M | capital that could be lost first |
Total risk-based capital ratio 13.62% +3.62 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 | $350.0M | 350,036 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.57B | 2,570,488 | RCOAA223 |
| Recomputed ratio | 13.62% | numerator / denominator | |
| Filed ratio | 13.62% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.62 pp | $93.0M | capital that could be lost first |
Tier 1 leverage ratio 10.58% +5.58 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 | $326.3M | 326,325 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.09B | 3,085,128 | RCOAA224 |
| Recomputed ratio | 10.58% | numerator / denominator | |
| Filed ratio | 10.58% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.58 pp | $172.1M | 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 | 89,698 | 89,698 | 89,698 | 89,698 | 89,698 | 89,698 | RCOAP742 |
| Retained earnings | 236,627 | 236,232 | 232,217 | 227,741 | 222,929 | 217,992 | RCOAKW00 |
| Accumulated other comprehensive income | (21,705) | (18,471) | (19,761) | (22,207) | (24,761) | (27,598) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 304,620 | 307,459 | 302,154 | 295,232 | 287,866 | 280,092 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 21,705 | 18,213 | 19,483 | 21,908 | 24,441 | 27,257 | P859 - P840 |
| Common equity Tier 1 capital | 326,325 | 325,672 | 321,637 | 317,140 | 312,307 | 307,349 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 326,325 | 325,672 | 321,637 | 317,140 | 312,307 | 307,349 | RCOA8274 |
| Tier 2 capital | 23,711 | 21,175 | 19,845 | 22,340 | 20,746 | 19,114 | RCOA5311 |
| Allowance includable in Tier 2 capital | 23,711 | 21,175 | 19,845 | 22,340 | 20,746 | 19,114 | RCOA5310 |
| Total capital | 350,036 | 346,847 | 341,482 | 339,480 | 333,053 | 326,463 | RCOA3792 |
| Total risk-weighted assets | 2,570,488 | 2,551,989 | 2,401,253 | 2,401,987 | 2,404,455 | 2,347,178 | RCOAA223 |
| Average total assets for the leverage ratio | 3,085,128 | 3,008,414 | 3,018,112 | 2,998,007 | 2,932,274 | 2,858,861 | 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 | $27.8M | $880K | 3.17% | 0.03% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $477.8M | $135.5M | 28.36% | 5.27% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $1.09B | $651.3M | 59.90% | 25.34% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $17.3M | $25.9M | 150.00% | 1.01% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.39B | $1.38B | 99.71% | 53.79% | RC-R Part II, item 4.d, 5.d |
| All other assets | $141.7M | $125.6M | 88.62% | 4.88% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $1.5M | $18.5M | 1250.00% | 0.72% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $227.5M | $227.5M | 100.00% | 8.85% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.3M | $1.3M | 100.00% | 0.05% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1.4M | NA | 0.05% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.57B | does not tie to item 31 ($2.57B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.57B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.57B | 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 | 12.70% | 12.70% | 13.62% | 10.58% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.76% | 12.76% | 13.59% | 10.83% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.39% | 13.39% | 14.22% | 10.66% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.20% | 13.20% | 14.13% | 10.58% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.99% | 12.99% | 13.85% | 10.65% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.09% | 13.09% | 13.91% | 10.75% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.95% | 12.95% | 13.72% | 10.78% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.17% | 13.17% | 13.86% | 10.78% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.93% | 12.93% | 13.55% | 10.77% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.93% | 12.93% | 13.57% | 10.81% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.07% | 13.07% | 13.78% | 10.89% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.83% | 12.83% | 13.59% | 10.77% | 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 |
|---|---|---|---|---|---|---|
| BankNewport (this bank) | Risk-based | 12.70% | 12.70% | 13.62% | 10.58% | |
| Guaranty Bank and Trust Company | $3.07B | CBLR | NA | NA | NA | 10.42% |
| Midwest Bankcentre | $3.07B | Risk-based | 13.54% | 13.54% | 14.79% | 12.15% |
| CB&S Bank, Inc. | $3.07B | CBLR | NA | NA | NA | 10.42% |
| Penn Community Bank | $3.07B | Risk-based | 16.17% | 16.17% | 17.19% | 12.68% |
| Lawrence Bank | $3.04B | Risk-based | 12.86% | 12.86% | 13.77% | 9.78% |
| The National Bank of Indianapolis | $3.04B | Risk-based | 11.42% | 11.42% | 12.47% | 9.29% |
| Mascoma Bank | $3.03B | Risk-based | 12.01% | 12.01% | 12.87% | 9.09% |
| Unibank for Savings | $3.11B | Risk-based | 14.02% | 14.02% | 15.27% | 8.83% |
| The Bank of Tampa | $3.02B | Risk-based | 14.52% | 14.52% | 15.77% | 10.97% |
| Peer 25th percentile | 12.43% | 12.43% | 13.32% | 9.29% | ||
| Peer median | 13.54% | 13.54% | 14.79% | 10.42% | ||
| Peer 75th percentile | 14.27% | 14.27% | 15.52% | 10.97% | ||
| This bank's percentile | 29 | 29 | 29 | 67 |
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/546003/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.