BayCoast Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.02% (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: 4.02% (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 10.77% +4.27 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 | $234.8M | 234,850 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.18B | 2,180,677 | RCOAA223 |
| Recomputed ratio | 10.77% | numerator / denominator | |
| Filed ratio | 10.77% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.27 pp | $93.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.77% +2.77 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 | $234.8M | 234,850 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.18B | 2,180,677 | RCOAA223 |
| Recomputed ratio | 10.77% | numerator / denominator | |
| Filed ratio | 10.77% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.77 pp | $60.4M | capital that could be lost first |
Total risk-based capital ratio 12.02% +2.02 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 | $262.1M | 262,119 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.18B | 2,180,677 | RCOAA223 |
| Recomputed ratio | 12.02% | numerator / denominator | |
| Filed ratio | 12.02% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.02 pp | $44.1M | capital that could be lost first |
Tier 1 leverage ratio 8.29% +3.29 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 | $234.8M | 234,850 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.83B | 2,832,289 | RCOAA224 |
| Recomputed ratio | 8.29% | numerator / denominator | |
| Filed ratio | 8.29% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.29 pp | $93.2M | 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 | 130,648 | 130,648 | 130,648 | 130,648 | 130,648 | 130,648 | RCOAP742 |
| Retained earnings | 132,063 | 131,577 | 130,770 | 131,120 | 132,896 | 133,875 | RCOAKW00 |
| Accumulated other comprehensive income | (4,917) | (3,999) | (2,549) | (7,507) | (8,822) | (10,519) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 257,794 | 258,226 | 258,869 | 254,261 | 254,722 | 254,004 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (22,944) | (24,025) | (25,636) | (20,938) | (19,880) | (18,439) | P859 - P840 |
| Common equity Tier 1 capital | 234,850 | 234,201 | 233,233 | 233,323 | 234,842 | 235,565 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 234,850 | 234,201 | 233,233 | 233,323 | 234,842 | 235,565 | RCOA8274 |
| Tier 2 capital | 27,269 | 27,393 | 27,160 | 27,372 | 27,987 | 26,593 | RCOA5311 |
| Allowance includable in Tier 2 capital | 27,269 | 27,393 | 27,160 | 27,372 | 27,987 | 26,593 | RCOA5310 |
| Total capital | 262,119 | 261,594 | 260,393 | 260,695 | 262,829 | 262,158 | RCOA3792 |
| Total risk-weighted assets | 2,180,677 | 2,191,287 | 2,185,275 | 2,188,082 | 2,238,977 | 2,196,115 | RCOAA223 |
| Average total assets for the leverage ratio | 2,832,289 | 2,848,110 | 2,849,982 | 2,883,581 | 2,905,431 | 2,906,352 | 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 | $52.7M | $1.2M | 2.27% | 0.05% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $368.5M | $57.3M | 15.55% | 2.63% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $874.5M | $491.3M | 56.18% | 22.52% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $2.5M | $3.7M | 150.00% | 0.17% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $32.9M | $47.5M | 144.40% | 2.18% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.35B | $1.34B | 99.57% | 61.64% | RC-R Part II, item 4.d, 5.d |
| All other assets | $188.0M | $205.8M | 109.47% | 9.44% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $56K | $700K | 1250.00% | 0.03% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $30.4M | $29.2M | 96.05% | 1.34% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $444K | $89K | 20.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $700 | 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 | $2.18B | ties to item 31 ($2.18B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.18B | RCONB704 |
| Less: excess allowance for credit losses | $867K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.18B | 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 | 10.77% | 10.77% | 12.02% | 8.29% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.69% | 10.69% | 11.94% | 8.22% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.67% | 10.67% | 11.92% | 8.18% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 10.66% | 10.66% | 11.91% | 8.09% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 10.49% | 10.49% | 11.74% | 8.08% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 10.73% | 10.73% | 11.94% | 8.11% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 10.62% | 10.62% | 11.76% | 8.14% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.48% | 10.48% | 11.55% | 8.08% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.30% | 10.30% | 11.30% | 8.07% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.25% | 10.25% | 11.18% | 8.15% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.07% | 10.07% | 10.92% | 8.06% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 9.91% | 9.91% | 10.78% | 7.98% | 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 |
|---|---|---|---|---|---|---|
| BayCoast Bank (this bank) | Risk-based | 10.77% | 10.77% | 12.02% | 8.29% | |
| WebBank | $2.86B | Risk-based | 18.10% | 18.10% | 19.18% | 17.39% |
| Bank Independent | $2.86B | Risk-based | 13.22% | 13.22% | 14.42% | 9.82% |
| Industrial and Commercial Bank of China (USA), N.A. | $2.86B | Risk-based | 17.53% | 17.53% | 18.27% | 17.26% |
| ANB Bank | $2.85B | Risk-based | 14.59% | 14.59% | 15.43% | 9.52% |
| Jefferson Bank | $2.88B | CBLR | NA | NA | NA | 9.81% |
| Lakeside Bank | $2.85B | Risk-based | 12.41% | 12.41% | 13.56% | 10.99% |
| West Texas National Bank | $2.88B | Risk-based | 16.75% | 16.75% | 18.01% | 10.52% |
| American Momentum Bank | $2.85B | Risk-based | 24.90% | 24.90% | 26.06% | 19.24% |
| Merchants Bank, N.A. | $2.88B | Risk-based | 13.46% | 13.46% | 14.60% | 11.49% |
| Peer 25th percentile | 13.40% | 13.40% | 14.56% | 9.82% | ||
| Peer median | 15.67% | 15.67% | 16.72% | 10.99% | ||
| Peer 75th percentile | 17.67% | 17.67% | 18.50% | 17.26% | ||
| This bank's percentile | 0 | 0 | 0 | 0 |
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/771609/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.