Belgrade State Bank: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.29% (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: 8.29% (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 15.07% +8.57 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 | $54.6M | 54,608 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $362.3M | 362,262 | RCOAA223 |
| Recomputed ratio | 15.07% | numerator / denominator | |
| Filed ratio | 15.07% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.57 pp | $31.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.07% +7.07 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 | $54.6M | 54,608 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $362.3M | 362,262 | RCOAA223 |
| Recomputed ratio | 15.07% | numerator / denominator | |
| Filed ratio | 15.07% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.07 pp | $25.6M | capital that could be lost first |
Total risk-based capital ratio 16.29% +6.29 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 | $59.0M | 59,006 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $362.3M | 362,262 | RCOAA223 |
| Recomputed ratio | 16.29% | numerator / denominator | |
| Filed ratio | 16.29% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.29 pp | $22.8M | capital that could be lost first |
Tier 1 leverage ratio 10.13% +5.13 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 | $54.6M | 54,608 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $538.9M | 538,861 | RCOAA224 |
| Recomputed ratio | 10.13% | numerator / denominator | |
| Filed ratio | 10.13% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.13 pp | $27.7M | 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 | 7,100 | 7,100 | 7,100 | 7,100 | 7,100 | 7,100 | RCOAP742 |
| Retained earnings | 47,508 | 45,227 | 43,236 | 42,578 | 40,690 | 38,537 | RCOAKW00 |
| Accumulated other comprehensive income | (5,547) | (5,598) | (4,923) | (5,391) | (6,794) | (6,368) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 49,061 | 46,729 | 45,413 | 44,287 | 40,996 | 39,269 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,547 | 5,598 | 4,923 | 5,391 | 6,794 | 6,368 | P859 - P840 |
| Common equity Tier 1 capital | 54,608 | 52,327 | 50,336 | 49,678 | 47,790 | 45,637 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 54,608 | 52,327 | 50,336 | 49,678 | 47,790 | 45,637 | RCOA8274 |
| Tier 2 capital | 4,398 | 4,219 | 4,371 | 4,031 | 4,054 | 4,030 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,398 | 4,219 | 4,371 | 4,031 | 4,054 | 4,030 | RCOA5310 |
| Total capital | 59,006 | 56,546 | 54,707 | 53,709 | 51,844 | 49,667 | RCOA3792 |
| Total risk-weighted assets | 362,262 | 346,718 | 350,990 | 345,056 | 338,346 | 324,963 | RCOAA223 |
| Average total assets for the leverage ratio | 538,861 | 533,316 | 521,134 | 508,801 | 495,757 | 472,474 | 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 | $33.5M | $5.8M | 17.36% | 1.60% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $89.3M | $12.9M | 14.47% | 3.57% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $184.9M | $99.4M | 53.76% | 27.45% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $727K | $1.1M | 150.00% | 0.30% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $226.5M | $212.9M | 94.00% | 58.78% | RC-R Part II, item 4.d, 5.d |
| All other assets | $23.6M | $23.1M | 97.71% | 6.36% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $4.7M | $4.7M | 100.00% | 1.29% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $2.3M | NA | 0.64% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $359.9M | does not tie to item 31 ($362.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $362.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $362.3M | 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 | 15.07% | 15.07% | 16.29% | 10.13% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.09% | 15.09% | 16.31% | 9.81% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.34% | 14.34% | 15.59% | 9.66% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.40% | 14.40% | 15.57% | 9.76% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.12% | 14.12% | 15.32% | 9.64% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.04% | 14.04% | 15.28% | 9.66% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.87% | 13.87% | 15.12% | 9.46% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.93% | 13.93% | 15.12% | 9.41% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.81% | 13.81% | 15.06% | 9.29% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.58% | 13.58% | 14.83% | 9.38% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.60% | 13.60% | 14.85% | 9.29% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.93% | 13.93% | 15.10% | 9.27% | 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 |
|---|---|---|---|---|---|---|
| Belgrade State Bank (this bank) | Risk-based | 15.07% | 15.07% | 16.29% | 10.13% | |
| Charter West Bank | $547.9M | CBLR | NA | NA | NA | 9.27% |
| Silver Lake Bank | $548.2M | CBLR | NA | NA | NA | 10.90% |
| The Cooperative Bank | $548.3M | Risk-based | 12.94% | 12.94% | 13.98% | 9.29% |
| The Farmers Bank of Willards | $547.6M | Risk-based | 18.87% | 18.87% | 20.12% | 12.13% |
| Citizens Bank of Kansas | $548.4M | Risk-based | 15.01% | 15.01% | 15.82% | 8.53% |
| First National Bank of Coffee County | $547.5M | Risk-based | 17.70% | 17.70% | 18.96% | 8.85% |
| First State Bank and Trust Company | $547.4M | CBLR | NA | NA | NA | 14.00% |
| Fidelity Bank | $546.8M | CBLR | NA | NA | NA | 13.07% |
| Magnolia Bank, Inc | $546.3M | CBLR | NA | NA | NA | 10.96% |
| Northern State Bank of Thief River Falls | $550.0M | Risk-based | 24.96% | 24.96% | 26.21% | 9.92% |
| Peer 25th percentile | 15.01% | 15.01% | 15.82% | 9.27% | ||
| Peer median | 17.70% | 17.70% | 18.96% | 10.41% | ||
| Peer 75th percentile | 18.87% | 18.87% | 20.12% | 11.84% | ||
| This bank's percentile | 40 | 40 | 40 | 50 |
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/761244/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.