Bedford Loan & Deposit Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 17.62% (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: 17.62% (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 24.37% +17.87 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 | $17.9M | 17,905 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $73.5M | 73,476 | RCOAA223 |
| Recomputed ratio | 24.37% | numerator / denominator | |
| Filed ratio | 24.37% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +17.87 pp | $13.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 24.37% +16.37 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 | $17.9M | 17,905 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $73.5M | 73,476 | RCOAA223 |
| Recomputed ratio | 24.37% | numerator / denominator | |
| Filed ratio | 24.37% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +16.37 pp | $12.0M | capital that could be lost first |
Total risk-based capital ratio 25.62% +15.62 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 | $18.8M | 18,827 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $73.5M | 73,476 | RCOAA223 |
| Recomputed ratio | 25.62% | numerator / denominator | |
| Filed ratio | 25.62% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +15.62 pp | $11.5M | capital that could be lost first |
Tier 1 leverage ratio 14.61% +9.61 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 | $17.9M | 17,905 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $122.6M | 122,565 | RCOAA224 |
| Recomputed ratio | 14.61% | numerator / denominator | |
| Filed ratio | 14.61% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +9.61 pp | $11.8M | 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 | 750 | 750 | 750 | 750 | 750 | 750 | RCOAP742 |
| Retained earnings | 17,155 | 16,922 | 16,993 | 16,841 | 16,821 | 16,685 | RCOAKW00 |
| Accumulated other comprehensive income | (2,113) | (2,207) | (2,043) | (2,176) | (2,565) | (2,733) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 15,792 | 15,465 | 15,700 | 15,415 | 15,006 | 14,702 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,113 | 2,207 | 2,043 | 2,176 | 2,565 | 2,733 | P859 - P840 |
| Common equity Tier 1 capital | 17,905 | 17,672 | 17,743 | 17,591 | 17,571 | 17,435 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 17,905 | 17,672 | 17,743 | 17,591 | 17,571 | 17,435 | RCOA8274 |
| Tier 2 capital | 922 | 919 | 898 | 915 | 913 | 912 | RCOA5311 |
| Allowance includable in Tier 2 capital | 922 | 919 | 898 | 915 | 913 | 912 | RCOA5310 |
| Total capital | 18,827 | 18,591 | 18,641 | 18,506 | 18,484 | 18,347 | RCOA3792 |
| Total risk-weighted assets | 73,476 | 73,203 | 71,498 | 72,898 | 72,809 | 72,751 | RCOAA223 |
| Average total assets for the leverage ratio | 122,565 | 119,705 | 118,940 | 118,286 | 115,319 | 112,270 | 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 | $9.3M | $144K | 1.56% | 0.20% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $28.2M | $9.5M | 33.74% | 12.88% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $3.4M | $684K | 20.00% | 0.93% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $53.9M | $30.4M | 56.40% | 41.24% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $307K | $460K | 150.00% | 0.62% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $25.4M | $25.3M | 99.42% | 34.26% | RC-R Part II, item 4.d, 5.d |
| All other assets | $5.3M | $4.9M | 93.42% | 6.69% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.3M | $2.3M | 100.00% | 3.18% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $100 | 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 | $73.8M | ties to item 31 ($73.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $73.8M | RCONB704 |
| Less: excess allowance for credit losses | $285K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $73.5M | 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 | 24.37% | 24.37% | 25.62% | 14.61% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 24.14% | 24.14% | 25.40% | 14.76% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 24.82% | 24.82% | 26.07% | 14.92% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 24.13% | 24.13% | 25.39% | 14.87% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 24.13% | 24.13% | 25.39% | 15.24% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 23.97% | 23.97% | 25.22% | 15.53% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 23.97% | 23.97% | 25.22% | 15.15% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 24.46% | 24.46% | 25.72% | 15.17% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 24.42% | 24.42% | 25.68% | 14.62% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 24.12% | 24.12% | 25.37% | 14.72% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 24.16% | 24.16% | 25.41% | 14.61% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 23.08% | 23.08% | 24.33% | 14.48% | 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 |
|---|---|---|---|---|---|---|
| Bedford Loan & Deposit Bank (this bank) | Risk-based | 24.37% | 24.37% | 25.62% | 14.61% | |
| Maple City Savings Bank, FSB | $121.8M | Risk-based | 16.79% | 16.79% | 18.02% | 9.46% |
| Corebank | $122.1M | CBLR | NA | NA | NA | 11.78% |
| The First State Bank | $121.4M | Risk-based | 15.85% | 15.85% | 16.92% | 13.46% |
| Kennett Trust Bank | $122.1M | CBLR | NA | NA | NA | 11.35% |
| The First National Bank of Nevada | $122.2M | Risk-based | 22.98% | 22.98% | 23.92% | 16.15% |
| Solon State Bank | $122.5M | CBLR | NA | NA | NA | 23.00% |
| Headwaters State Bank | $122.5M | CBLR | NA | NA | NA | 11.21% |
| Key Community Bank | $121.0M | CBLR | NA | NA | NA | 10.66% |
| Farmers & Merchants Savings Bank | $122.5M | CBLR | NA | NA | NA | 13.62% |
| Peer 25th percentile | 16.32% | 16.32% | 17.47% | 11.21% | ||
| Peer median | 16.79% | 16.79% | 18.02% | 11.78% | ||
| Peer 75th percentile | 19.88% | 19.88% | 20.97% | 13.62% | ||
| This bank's percentile | 100 | 100 | 100 | 78 |
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/696047/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.