Bankpacific, Ltd.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 19.94% (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: 19.94% (RCFAH311).
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 26.81% +20.31 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 | $22.2M | 22,248 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $83.0M | 82,972 | RCFAA223 |
| Recomputed ratio | 26.81% | numerator / denominator | |
| Filed ratio | 26.81% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +20.31 pp | $16.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 26.81% +18.81 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 | $22.2M | 22,248 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $83.0M | 82,972 | RCFAA223 |
| Recomputed ratio | 26.81% | numerator / denominator | |
| Filed ratio | 26.81% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +18.81 pp | $15.6M | capital that could be lost first |
Total risk-based capital ratio 27.94% +17.94 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 | $23.2M | 23,179 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $83.0M | 82,972 | RCFAA223 |
| Recomputed ratio | 27.94% | numerator / denominator | |
| Filed ratio | 27.94% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +17.94 pp | $14.9M | capital that could be lost first |
Tier 1 leverage ratio 11.91% +6.91 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 | $22.2M | 22,248 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $186.7M | 186,726 | RCFAA224 |
| Recomputed ratio | 11.91% | numerator / denominator | |
| Filed ratio | 11.91% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.91 pp | $12.9M | 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 | 809 | 809 | 809 | 809 | 809 | 809 | RCFAP742 |
| Retained earnings | 21,439 | 21,062 | 20,773 | 20,450 | 20,300 | 19,994 | RCFAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 22,248 | 21,871 | 21,582 | 21,259 | 21,109 | 20,803 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 0 | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 22,248 | 21,871 | 21,582 | 21,259 | 21,109 | 20,803 | RCFAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 22,248 | 21,871 | 21,582 | 21,259 | 21,109 | 20,803 | RCFA8274 |
| Tier 2 capital | 931 | 989 | 991 | 1,005 | 1,047 | 1,068 | RCFA5311 |
| Allowance includable in Tier 2 capital | 931 | 989 | 991 | 1,005 | 1,047 | 1,068 | RCFA5310 |
| Total capital | 23,179 | 22,860 | 22,573 | 22,264 | 22,156 | 21,871 | RCFA3792 |
| Total risk-weighted assets | 82,972 | 81,525 | 79,223 | 80,383 | 83,683 | 85,354 | RCFAA223 |
| Average total assets for the leverage ratio | 186,726 | 184,329 | 174,378 | 176,987 | 176,238 | 180,915 | RCFAA224 |
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 | $37.2M | $368K | 0.99% | 0.44% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $48.9M | $3K | 0.01% | 0.00% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $44.6M | $22.2M | 49.86% | 26.80% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $2.9M | $1.8M | 61.70% | 2.13% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $47.1M | $45.1M | 95.70% | 54.31% | RC-R Part II, item 4.d, 5.d |
| All other assets | $12.2M | $12.1M | 99.55% | 14.59% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $114K | $1.4M | 1250.00% | 1.72% | RC-R Part II, item 9, 10 |
| 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 | $83.0M | does not tie to item 31 ($83.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $83.0M | RCFDB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $83.0M | RCFDG641, 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 | 26.81% | 26.81% | 27.94% | 11.91% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 26.83% | 26.83% | 28.04% | 11.87% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 27.24% | 27.24% | 28.49% | 12.38% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 26.45% | 26.45% | 27.70% | 12.01% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 25.23% | 25.23% | 26.48% | 11.98% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 24.37% | 24.37% | 25.62% | 11.50% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 24.88% | 24.88% | 26.11% | 11.84% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 25.17% | 25.17% | 26.38% | 11.70% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 25.07% | 25.07% | 26.33% | 11.56% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 24.45% | 24.45% | 25.57% | 11.12% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 24.13% | 24.13% | 25.16% | 10.86% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 24.26% | 24.26% | 25.25% | 10.65% | 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 |
|---|---|---|---|---|---|---|
| Bankpacific, Ltd. (this bank) | Risk-based | 26.81% | 26.81% | 27.94% | 11.91% | |
| U.S. Bank Trust N.A. SD | $191.7M | Risk-based | 483.07% | 483.07% | 483.07% | 100.58% |
| Texas Advantage Community Bank, N.A. | $192.1M | Risk-based | 24.87% | 24.87% | 25.94% | 11.33% |
| South Central State Bank | $192.1M | Risk-based | 15.11% | 15.11% | 15.78% | 15.15% |
| Farmers Trust and Savings Bank | $191.6M | CBLR | NA | NA | NA | 23.08% |
| Garden Plain State Bank | $191.5M | Risk-based | 25.80% | 25.80% | 26.63% | 15.24% |
| Bank of Anguilla | $192.2M | CBLR | NA | NA | NA | 14.67% |
| The First National Bank and Trust Company of Miami | $191.4M | CBLR | NA | NA | NA | 13.42% |
| Bank of Sunset & Trust Company | $192.3M | CBLR | NA | NA | NA | 11.37% |
| The Bank of the West | $192.4M | Risk-based | 12.72% | 12.72% | 13.97% | 10.49% |
| Peoples Bank | $192.4M | Risk-based | 22.12% | 22.12% | 23.38% | 11.18% |
| Peer 25th percentile | 16.86% | 16.86% | 17.68% | 11.34% | ||
| Peer median | 23.50% | 23.50% | 24.66% | 14.05% | ||
| Peer 75th percentile | 25.57% | 25.57% | 26.46% | 15.22% | ||
| This bank's percentile | 83 | 83 | 83 | 40 |
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/364270/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.