Beverly Bank & Trust Company, N.A.: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.10% (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: 4.10% (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 11.43% +4.93 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 | $257.6M | 257,567 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.25B | 2,253,741 | RCOAA223 |
| Recomputed ratio | 11.43% | numerator / denominator | |
| Filed ratio | 11.43% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.93 pp | $111.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.43% +3.43 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 | $257.6M | 257,567 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.25B | 2,253,741 | RCOAA223 |
| Recomputed ratio | 11.43% | numerator / denominator | |
| Filed ratio | 11.43% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.43 pp | $77.3M | capital that could be lost first |
Total risk-based capital ratio 12.10% +2.10 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 | $272.8M | 272,814 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.25B | 2,253,741 | RCOAA223 |
| Recomputed ratio | 12.10% | numerator / denominator | |
| Filed ratio | 12.10% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.10 pp | $47.4M | capital that could be lost first |
Tier 1 leverage ratio 9.91% +4.91 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 | $257.6M | 257,567 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.60B | 2,598,349 | RCOAA224 |
| Recomputed ratio | 9.91% | numerator / denominator | |
| Filed ratio | 9.91% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.91 pp | $127.6M | 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 | 144,527 | 143,945 | 143,398 | 142,898 | 142,418 | 141,933 | RCOAP742 |
| Retained earnings | 125,630 | 131,586 | 119,341 | 117,423 | 120,592 | 117,078 | RCOAKW00 |
| Accumulated other comprehensive income | (4,684) | (3,336) | (418) | (599) | (1,753) | (2,855) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 265,473 | 272,195 | 262,321 | 259,722 | 261,257 | 256,156 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (7,906) | (9,254) | (12,172) | (11,991) | (10,837) | (9,738) | P859 - P840 |
| Common equity Tier 1 capital | 257,567 | 262,941 | 250,149 | 247,731 | 250,420 | 246,418 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 257,567 | 262,941 | 250,149 | 247,731 | 250,420 | 246,418 | RCOA8274 |
| Tier 2 capital | 15,247 | 14,448 | 16,358 | 21,017 | 21,021 | 20,153 | RCOA5311 |
| Allowance includable in Tier 2 capital | 15,247 | 14,448 | 16,358 | 21,017 | 21,021 | 20,153 | RCOA5310 |
| Total capital | 272,814 | 277,389 | 266,507 | 268,748 | 271,441 | 266,571 | RCOA3792 |
| Total risk-weighted assets | 2,253,741 | 2,228,520 | 2,114,774 | 2,151,762 | 2,238,580 | 2,209,772 | RCOAA223 |
| Average total assets for the leverage ratio | 2,598,349 | 2,518,989 | 2,469,900 | 2,476,248 | 2,481,737 | 2,461,468 | 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 | $126.3M | $1.4M | 1.11% | 0.06% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $408.0M | $83.9M | 20.56% | 3.72% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $4K | $800 | 20.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $246.8M | $130.5M | 52.90% | 5.79% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $1.6M | $2.4M | 150.00% | 0.11% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $5.4M | $8.1M | 150.00% | 0.36% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.82B | $1.80B | 99.14% | 79.86% | RC-R Part II, item 4.d, 5.d |
| All other assets | $92.6M | $80.5M | 87.00% | 3.57% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $146.5M | $145.1M | 99.04% | 6.44% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $6.1M | $2.0M | 32.60% | 0.09% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | -$400 | 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 | $2.25B | ties to item 31 ($2.25B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.25B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.25B | 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 | 11.43% | 11.43% | 12.10% | 9.91% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.80% | 11.80% | 12.45% | 10.44% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.83% | 11.83% | 12.60% | 10.13% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.51% | 11.51% | 12.49% | 10.00% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.19% | 11.19% | 12.13% | 10.09% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.15% | 11.15% | 12.06% | 10.01% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.56% | 11.56% | 12.46% | 10.08% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.51% | 11.51% | 12.36% | 9.87% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.07% | 11.07% | 11.87% | 9.90% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.10% | 11.10% | 11.91% | 10.09% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.67% | 10.67% | 11.53% | 10.00% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.30% | 11.30% | 12.19% | 10.40% | 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 |
|---|---|---|---|---|---|---|
| Beverly Bank & Trust Company, N.A. (this bank) | Risk-based | 11.43% | 11.43% | 12.10% | 9.91% | |
| INB, N.A. | $2.68B | Risk-based | 12.19% | 12.19% | 13.28% | 9.44% |
| CalPrivate Bank | $2.71B | Risk-based | 13.61% | 13.61% | 14.86% | 11.52% |
| Interaudi Bank | $2.68B | Risk-based | 18.12% | 18.12% | 18.85% | 10.02% |
| Planters Bank & Trust Company | $2.71B | Risk-based | 15.29% | 15.29% | 16.23% | 11.19% |
| Machias Savings Bank | $2.67B | Risk-based | 14.01% | 14.01% | 14.95% | 12.12% |
| Tradition Capital Bank | $2.72B | Risk-based | 10.32% | 10.32% | 11.49% | 8.87% |
| Pinnacle Bank | $2.72B | Risk-based | 14.07% | 14.07% | 15.19% | 10.93% |
| Home Federal Bank of Tennessee | $2.73B | CBLR | NA | NA | NA | 17.16% |
| Westfield Bank | $2.73B | Risk-based | 12.47% | 12.47% | 13.47% | 9.37% |
| Cornerstone Bank | $2.73B | CBLR | NA | NA | NA | 9.88% |
| Peer 25th percentile | 12.40% | 12.40% | 13.42% | 9.55% | ||
| Peer median | 13.81% | 13.81% | 14.90% | 10.48% | ||
| Peer 75th percentile | 14.37% | 14.37% | 15.45% | 11.43% | ||
| This bank's percentile | 12 | 12 | 12 | 40 |
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/3216017/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.