Banterra Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 2.73% (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: 2.73% (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 9.85% +3.35 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 | $313.2M | 313,159 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.18B | 3,179,026 | RCOAA223 |
| Recomputed ratio | 9.85% | numerator / denominator | |
| Filed ratio | 9.85% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.35 pp | $106.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 9.85% +1.85 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 | $313.2M | 313,159 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.18B | 3,179,026 | RCOAA223 |
| Recomputed ratio | 9.85% | numerator / denominator | |
| Filed ratio | 9.85% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +1.85 pp | $58.8M | capital that could be lost first |
Total risk-based capital ratio 10.73% +0.73 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 | $341.0M | 340,980 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.18B | 3,179,026 | RCOAA223 |
| Recomputed ratio | 10.73% | numerator / denominator | |
| Filed ratio | 10.73% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +0.73 pp | $23.1M | capital that could be lost first |
Tier 1 leverage ratio 9.41% +4.41 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 | $313.2M | 313,159 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.33B | 3,327,852 | RCOAA224 |
| Recomputed ratio | 9.41% | numerator / denominator | |
| Filed ratio | 9.41% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.41 pp | $146.8M | 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 | 82,633 | 82,633 | 82,633 | 82,633 | 82,633 | 82,633 | RCOAP742 |
| Retained earnings | 239,585 | 234,911 | 231,528 | 226,704 | 226,932 | 218,974 | RCOAKW00 |
| Accumulated other comprehensive income | (96,216) | (103,619) | (97,437) | (104,295) | (115,675) | (113,145) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 226,002 | 213,925 | 216,724 | 205,042 | 193,890 | 188,462 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 87,157 | 94,486 | 88,304 | 95,125 | 106,468 | 103,123 | P859 - P840 |
| Common equity Tier 1 capital | 313,159 | 308,411 | 305,028 | 300,167 | 300,358 | 291,585 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 313,159 | 308,411 | 305,028 | 300,167 | 300,358 | 291,585 | RCOA8274 |
| Tier 2 capital | 27,821 | 36,303 | 35,651 | 35,321 | 34,782 | 37,082 | RCOA5311 |
| Allowance includable in Tier 2 capital | 27,821 | 27,340 | 26,692 | 26,365 | 25,828 | 25,147 | RCOA5310 |
| Total capital | 340,980 | 344,714 | 340,679 | 335,488 | 335,140 | 328,667 | RCOA3792 |
| Total risk-weighted assets | 3,179,026 | 3,078,287 | 3,106,548 | 3,044,265 | 3,022,346 | 2,956,324 | RCOAA223 |
| Average total assets for the leverage ratio | 3,327,852 | 3,347,629 | 3,321,363 | 3,254,041 | 3,243,230 | 3,181,639 | 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 | $52.2M | $3.7M | 7.01% | 0.12% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $628.4M | $215.9M | 34.36% | 6.79% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $241.8M | $146.7M | 60.67% | 4.61% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $8.5M | $12.7M | 150.00% | 0.40% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.41B | $2.41B | 99.91% | 75.69% | RC-R Part II, item 4.d, 5.d |
| All other assets | $125.4M | $170.9M | 136.21% | 5.37% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $217.1M | $217.1M | 100.00% | 6.83% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $35K | $35K | 100.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $5.7M | 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 | $3.17B | ties to item 31 ($3.17B) |
|---|---|---|
| Risk-weighted assets before deductions | $3.18B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $3.18B | 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 | 9.85% | 9.85% | 10.73% | 9.41% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.02% | 10.02% | 11.20% | 9.21% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 9.82% | 9.82% | 10.97% | 9.18% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 9.86% | 9.86% | 11.02% | 9.22% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 9.94% | 9.94% | 11.09% | 9.26% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 9.86% | 9.86% | 11.12% | 9.16% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 9.94% | 9.94% | 11.18% | 9.22% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 9.84% | 9.84% | 11.08% | 9.18% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.16% | 10.16% | 11.39% | 9.40% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.47% | 10.47% | 11.84% | 9.21% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.32% | 10.32% | 11.67% | 9.31% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.53% | 10.53% | 11.89% | 9.49% | 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 |
|---|---|---|---|---|---|---|
| Banterra Bank (this bank) | Risk-based | 9.85% | 9.85% | 10.73% | 9.41% | |
| Lake Ridge Bank | $3.35B | Risk-based | 11.97% | 11.97% | 13.02% | 9.95% |
| Libertyville Bank & Trust Company, N.A. | $3.34B | Risk-based | 10.88% | 10.88% | 11.81% | 9.19% |
| Northern Bank & Trust Company | $3.38B | Risk-based | 15.30% | 15.30% | 16.56% | 14.55% |
| Austin Bank, Texas N.A. | $3.33B | CBLR | NA | NA | NA | 15.12% |
| First Dakota National Bank | $3.39B | CBLR | NA | NA | NA | 10.40% |
| TruNorth Bank | $3.32B | Risk-based | 15.98% | 15.98% | 16.59% | 11.46% |
| Northrim Bank | $3.40B | Risk-based | 12.38% | 12.38% | 13.39% | 10.26% |
| First Carolina Bank | $3.41B | Risk-based | 12.88% | 12.88% | 13.72% | 11.36% |
| Red River Bank | $3.31B | Risk-based | 17.32% | 17.32% | 18.37% | 12.49% |
| BankFirst Financial Services | $3.31B | CBLR | NA | NA | NA | 10.86% |
| Peer 25th percentile | 12.18% | 12.18% | 13.21% | 10.30% | ||
| Peer median | 12.88% | 12.88% | 13.72% | 11.11% | ||
| Peer 75th percentile | 15.64% | 15.64% | 16.58% | 12.23% | ||
| This bank's percentile | 0 | 0 | 0 | 10 |
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/502849/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.