Bankvista: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.80% (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: 4.80% (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 11.54% +5.04 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 | $64.5M | 64,501 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $558.7M | 558,738 | RCOAA223 |
| Recomputed ratio | 11.54% | numerator / denominator | |
| Filed ratio | 11.54% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.04 pp | $28.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.54% +3.54 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 | $64.5M | 64,501 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $558.7M | 558,738 | RCOAA223 |
| Recomputed ratio | 11.54% | numerator / denominator | |
| Filed ratio | 11.54% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.54 pp | $19.8M | capital that could be lost first |
Total risk-based capital ratio 12.80% +2.80 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 | $71.5M | 71,502 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $558.7M | 558,738 | RCOAA223 |
| Recomputed ratio | 12.80% | numerator / denominator | |
| Filed ratio | 12.80% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.80 pp | $15.6M | capital that could be lost first |
Tier 1 leverage ratio 9.93% +4.93 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 | $64.5M | 64,501 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $649.5M | 649,529 | RCOAA224 |
| Recomputed ratio | 9.93% | numerator / denominator | |
| Filed ratio | 9.93% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.93 pp | $32.0M | 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 | 40,043 | 40,043 | 40,043 | 40,043 | 40,043 | 40,043 | RCOAP742 |
| Retained earnings | 24,458 | 22,436 | 21,786 | 20,068 | 18,490 | 17,189 | RCOAKW00 |
| Accumulated other comprehensive income | (901) | (1,105) | (751) | (941) | (1,266) | (1,456) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 63,600 | 61,374 | 61,078 | 59,170 | 57,267 | 55,776 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 901 | 1,105 | 751 | 941 | 1,266 | 1,456 | P859 - P840 |
| Common equity Tier 1 capital | 64,501 | 62,479 | 61,829 | 60,111 | 58,533 | 57,232 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 64,501 | 62,479 | 61,829 | 60,111 | 58,533 | 57,232 | RCOA8274 |
| Tier 2 capital | 7,001 | 6,897 | 6,812 | 6,710 | 6,603 | 6,294 | RCOA5311 |
| Allowance includable in Tier 2 capital | 7,001 | 6,897 | 6,812 | 6,710 | 6,603 | 6,294 | RCOA5310 |
| Total capital | 71,502 | 69,376 | 68,641 | 66,821 | 65,136 | 63,526 | RCOA3792 |
| Total risk-weighted assets | 558,738 | 550,405 | 543,084 | 535,224 | 526,383 | 501,469 | RCOAA223 |
| Average total assets for the leverage ratio | 649,529 | 634,010 | 631,086 | 633,103 | 617,598 | 612,258 | 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 | $32.2M | $1.5M | 4.62% | 0.27% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $24.5M | $4.3M | 17.76% | 0.78% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $156.3M | $108.8M | 69.61% | 19.42% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $1.7M | $2.6M | 150.00% | 0.47% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $10.6M | $9.6M | 90.73% | 1.72% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $420.9M | $396.9M | 94.29% | 70.86% | RC-R Part II, item 4.d, 5.d |
| All other assets | $14.2M | $11.9M | 84.01% | 2.13% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $26.2M | $23.9M | 91.21% | 4.27% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $541K | NA | 0.10% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $559.6M | does not tie to item 31 ($560.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $560.1M | RCONB704 |
| Less: excess allowance for credit losses | $1.4M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $558.7M | 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 | 11.54% | 11.54% | 12.80% | 9.93% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.35% | 11.35% | 12.60% | 9.85% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.38% | 11.38% | 12.64% | 9.80% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.23% | 11.23% | 12.48% | 9.49% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.12% | 11.12% | 12.37% | 9.48% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.41% | 11.41% | 12.67% | 9.35% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.92% | 10.92% | 12.18% | 9.55% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.26% | 11.26% | 12.52% | 9.39% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.95% | 10.95% | 12.20% | 9.36% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 10.97% | 10.97% | 12.22% | 9.41% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.19% | 11.19% | 12.45% | 9.90% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.37% | 11.37% | 12.63% | 9.98% | 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 |
|---|---|---|---|---|---|---|
| Bankvista (this bank) | Risk-based | 11.54% | 11.54% | 12.80% | 9.93% | |
| Farmers & Merchants Bank of Colby | $650.8M | CBLR | NA | NA | NA | 11.23% |
| Stockmens Bank | $650.8M | Risk-based | 11.01% | 11.01% | 12.27% | 10.63% |
| Carver Federal Savings Bank | $651.5M | Risk-based | 9.25% | 9.25% | 10.28% | 7.74% |
| Northeast Georgia Bank | $650.6M | CBLR | NA | NA | NA | 13.41% |
| First National Bank of Gillette | $651.9M | CBLR | NA | NA | NA | 14.93% |
| Milford Bank the | $652.0M | Risk-based | 14.36% | 14.36% | 15.51% | 9.94% |
| First Midwest Bank of Dexter | $652.0M | CBLR | NA | NA | NA | 10.97% |
| First Eagle Bank | $649.6M | CBLR | NA | NA | NA | 21.29% |
| Clear Lake Bank and Trust Company | $649.3M | Risk-based | 11.28% | 11.28% | 12.53% | 8.53% |
| Citizens State Bank | $653.0M | Risk-based | 12.02% | 12.02% | 13.27% | 10.07% |
| Peer 25th percentile | 11.01% | 11.01% | 12.27% | 9.97% | ||
| Peer median | 11.28% | 11.28% | 12.53% | 10.80% | ||
| Peer 75th percentile | 12.02% | 12.02% | 13.27% | 12.87% | ||
| This bank's percentile | 60 | 60 | 60 | 20 |
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/2849285/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.