Beal Bank USA: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 44.89% (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: 44.89% (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 51.76% +45.26 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 | $2.59B | 2,587,088 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $5.00B | 4,998,521 | RCOAA223 |
| Recomputed ratio | 51.76% | numerator / denominator | |
| Filed ratio | 51.76% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +45.26 pp | $2.26B | capital that could be lost first |
Tier 1 risk-based capital ratio 51.76% +43.76 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 | $2.59B | 2,587,088 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $5.00B | 4,998,521 | RCOAA223 |
| Recomputed ratio | 51.76% | numerator / denominator | |
| Filed ratio | 51.76% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +43.76 pp | $2.19B | capital that could be lost first |
Total risk-based capital ratio 52.89% +42.89 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 | $2.64B | 2,643,720 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $5.00B | 4,998,521 | RCOAA223 |
| Recomputed ratio | 52.89% | numerator / denominator | |
| Filed ratio | 52.89% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +42.89 pp | $2.14B | capital that could be lost first |
Tier 1 leverage ratio 21.89% +16.89 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 | $2.59B | 2,587,088 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $11.82B | 11,819,647 | RCOAA224 |
| Recomputed ratio | 21.89% | numerator / denominator | |
| Filed ratio | 21.89% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +16.89 pp | $2.00B | 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 | 1,848,459 | 1,848,459 | 1,848,459 | 1,849,143 | 1,849,144 | 1,847,935 | RCOAP742 |
| Retained earnings | 738,832 | 949,475 | 876,845 | 1,222,449 | 1,221,119 | 1,195,913 | RCOAKW00 |
| Accumulated other comprehensive income | 53,348 | 98,930 | 62,582 | 80,566 | 35,280 | 57,668 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 2,640,639 | 2,896,864 | 2,787,886 | 3,152,158 | 3,105,543 | 3,101,516 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (53,551) | (99,107) | (62,649) | (80,650) | (35,379) | (57,812) | P859 - P840 |
| Common equity Tier 1 capital | 2,587,088 | 2,797,757 | 2,725,237 | 3,071,508 | 3,070,164 | 3,043,704 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 2,587,088 | 2,797,757 | 2,725,237 | 3,071,508 | 3,070,164 | 3,043,704 | RCOA8274 |
| Tier 2 capital | 56,632 | 51,376 | 42,834 | 35,212 | 24,818 | 25,154 | RCOA5311 |
| Allowance includable in Tier 2 capital | 56,632 | 51,376 | 42,834 | 35,212 | 24,818 | 25,154 | RCOA5310 |
| Total capital | 2,643,720 | 2,849,133 | 2,768,071 | 3,106,720 | 3,094,982 | 3,068,858 | RCOA3792 |
| Total risk-weighted assets | 4,998,521 | 5,296,427 | 5,093,358 | 5,305,229 | 5,708,554 | 5,769,997 | RCOAA223 |
| Average total assets for the leverage ratio | 11,819,647 | 12,715,772 | 14,139,155 | 16,472,957 | 16,500,639 | 16,212,549 | 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 | $226.2M | $18.3M | 8.10% | 0.37% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $5.92B | $271.7M | 4.59% | 5.44% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $44.1M | $29.3M | 66.44% | 0.59% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $21.8M | $32.7M | 150.00% | 0.65% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $3.88B | $3.88B | 100.00% | 77.57% | RC-R Part II, item 4.d, 5.d |
| All other assets | $202.2M | $100.8M | 49.87% | 2.02% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $439.8M | $439.8M | 100.00% | 8.80% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $646.7M | $19.4M | 3.00% | 0.39% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $208.9M | NA | 4.18% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $4.79B | ties to item 31 ($4.79B) |
|---|---|---|
| Risk-weighted assets before deductions | $5.00B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $5.00B | 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 | 51.76% | 51.76% | 52.89% | 21.89% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 52.82% | 52.82% | 53.79% | 22.00% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 53.51% | 53.51% | 54.35% | 19.27% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 57.90% | 57.90% | 58.56% | 18.65% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 53.78% | 53.78% | 54.22% | 18.61% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 52.75% | 52.75% | 53.19% | 18.77% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 71.08% | 71.08% | 71.60% | 19.61% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 75.62% | 75.62% | 76.19% | 19.84% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 93.82% | 93.82% | 94.38% | 21.82% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 99.32% | 99.32% | 99.85% | 21.42% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 66.62% | 66.62% | 67.07% | 14.26% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 89.95% | 89.95% | 90.25% | 15.29% | 12.66% | 12.67% | 13.78% | 9.78% |
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 |
|---|---|---|---|---|---|---|
| Beal Bank USA (this bank) | Risk-based | 51.76% | 51.76% | 52.89% | 21.89% | |
| The Depository Trust Company | $11.00B | Risk-based | 35.39% | 42.05% | 42.05% | 12.84% |
| Burke and Herbert Bank and Trust Company | $10.98B | Risk-based | 13.32% | 13.32% | 14.31% | 12.26% |
| WEX Bank | $10.71B | Risk-based | 12.70% | 12.70% | 13.48% | 8.93% |
| Washington Trust Bank | $10.54B | Risk-based | 11.91% | 11.91% | 13.17% | 9.73% |
| Charles Schwab Trust Bank | $10.51B | Risk-based | 79.60% | 79.60% | 79.60% | 10.93% |
| Centier Bank | $10.41B | Risk-based | 12.85% | 12.85% | 14.04% | 10.74% |
| Stellar Bank | $10.40B | Risk-based | 12.79% | 12.79% | 13.99% | 10.48% |
| Amarillo National Bank | $10.38B | Risk-based | 13.03% | 13.03% | 14.18% | 10.75% |
| Stock Yards Bank & Trust Company | $10.36B | Risk-based | 12.02% | 12.02% | 13.28% | 10.74% |
| Peer 25th percentile | 12.70% | 12.70% | 13.48% | 10.48% | ||
| Peer median | 12.85% | 12.85% | 14.04% | 10.74% | ||
| Peer 75th percentile | 13.32% | 13.32% | 14.31% | 10.93% | ||
| This bank's percentile | 89 | 89 | 89 | 100 |
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/3284397/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.