Barwick Banking Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 2.58% (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: 2.58% (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 9.60% +3.10 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 | $69.7M | 69,739 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $726.5M | 726,501 | RCOAA223 |
| Recomputed ratio | 9.60% | numerator / denominator | |
| Filed ratio | 9.60% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.10 pp | $22.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 9.60% +1.60 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 | $69.7M | 69,739 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $726.5M | 726,501 | RCOAA223 |
| Recomputed ratio | 9.60% | numerator / denominator | |
| Filed ratio | 9.60% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +1.60 pp | $11.6M | capital that could be lost first |
Total risk-based capital ratio 10.58% +0.58 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 | $76.9M | 76,886 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $726.5M | 726,501 | RCOAA223 |
| Recomputed ratio | 10.58% | numerator / denominator | |
| Filed ratio | 10.58% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +0.58 pp | $4.2M | capital that could be lost first |
Tier 1 leverage ratio 8.67% +3.67 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 | $69.7M | 69,739 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $804.3M | 804,270 | RCOAA224 |
| Recomputed ratio | 8.67% | numerator / denominator | |
| Filed ratio | 8.67% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.67 pp | $29.5M | 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 | 60,711 | 58,649 | 54,586 | 50,523 | 48,215 | 45,159 | RCOAP742 |
| Retained earnings | 11,280 | 9,417 | 7,875 | 6,368 | 5,007 | 3,937 | RCOAKW00 |
| Accumulated other comprehensive income | (1,293) | (855) | (658) | (718) | (1,187) | (1,127) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 70,698 | 67,211 | 61,803 | 56,173 | 52,035 | 47,969 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (959) | (994) | (1,191) | (1,207) | (534) | (326) | P859 - P840 |
| Common equity Tier 1 capital | 69,739 | 66,217 | 60,612 | 54,966 | 51,501 | 47,643 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 69,739 | 66,217 | 60,612 | 54,966 | 51,501 | 47,643 | RCOA8274 |
| Tier 2 capital | 7,147 | 6,917 | 6,386 | 5,950 | 5,737 | 5,195 | RCOA5311 |
| Allowance includable in Tier 2 capital | 7,147 | 6,917 | 6,386 | 5,950 | 5,737 | 5,195 | RCOA5310 |
| Total capital | 76,886 | 73,134 | 66,998 | 60,916 | 57,238 | 52,838 | RCOA3792 |
| Total risk-weighted assets | 726,501 | 684,579 | 637,730 | 586,766 | 562,767 | 514,780 | RCOAA223 |
| Average total assets for the leverage ratio | 804,270 | 751,735 | 693,965 | 652,437 | 617,035 | 570,128 | 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 | $39.6M | $2.6M | 6.51% | 0.35% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $56.4M | $10.3M | 18.25% | 1.42% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $3.6M | $713K | 20.00% | 0.10% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $700.8M | $633.1M | 90.34% | 87.15% | RC-R Part II, item 4.a, 5.a |
| All other assets | $37.9M | $35.5M | 93.57% | 4.89% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $64.7M | $44.3M | 68.50% | 6.10% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $726.5M | ties to item 31 ($726.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $726.5M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $726.5M | 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 | 9.60% | 9.60% | 10.58% | 8.67% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 9.67% | 9.67% | 10.68% | 8.81% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 9.50% | 9.50% | 10.51% | 8.73% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 9.37% | 9.37% | 10.38% | 8.42% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 9.15% | 9.15% | 10.17% | 8.35% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 9.26% | 9.26% | 10.26% | 8.36% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 9.19% | 9.19% | 10.21% | 8.03% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 9.32% | 9.32% | 10.38% | 7.84% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 9.25% | 9.25% | 10.29% | 8.20% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 9.41% | 9.41% | 10.48% | 8.28% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 9.67% | 9.67% | 10.74% | 8.52% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 10.09% | 10.09% | 11.19% | 8.43% | 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 |
|---|---|---|---|---|---|---|
| Barwick Banking Company (this bank) | Risk-based | 9.60% | 9.60% | 10.58% | 8.67% | |
| Bank of the West | $829.8M | Risk-based | 15.31% | 15.31% | 16.53% | 9.66% |
| Plains State Bank | $828.4M | CBLR | NA | NA | NA | 16.47% |
| Quail Creek Bank | $831.2M | CBLR | NA | NA | NA | 9.07% |
| First Century Bank, N.A. | $831.6M | CBLR | NA | NA | NA | 16.84% |
| Arthur State Bank | $831.9M | Risk-based | 12.15% | 12.15% | 13.35% | 8.30% |
| Community Federal Savings Bank | $827.0M | Risk-based | 19.14% | 19.14% | 19.98% | 9.94% |
| Citizens Bank | $832.5M | CBLR | NA | NA | NA | 16.29% |
| Timberline Bank | $832.6M | Risk-based | 12.01% | 12.01% | 13.26% | 9.38% |
| Peer 25th percentile | 12.12% | 12.12% | 13.33% | 9.30% | ||
| Peer median | 13.73% | 13.73% | 14.94% | 9.80% | ||
| Peer 75th percentile | 16.27% | 16.27% | 17.39% | 16.34% | ||
| This bank's percentile | 0 | 0 | 0 | 12 |
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/1007734/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.