Bitgo Bank & Trust, N.A.: Regulatory Capital and Risk-Weighted Assets
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As of 3Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 154.86% (3Q26), 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: 154.86% (RCOAH311).
What each ratio is made of, 3Q26
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 162.86% +156.36 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 | $64.9M | 64,894 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $39.8M | 39,846 | RCOAA223 |
| Recomputed ratio | 162.86% | numerator / denominator | |
| Filed ratio | 162.86% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +156.36 pp | $62.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 162.86% +154.86 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 | $64.9M | 64,894 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $39.8M | 39,846 | RCOAA223 |
| Recomputed ratio | 162.86% | numerator / denominator | |
| Filed ratio | 162.86% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +154.86 pp | $61.7M | capital that could be lost first |
Total risk-based capital ratio 162.86% +152.86 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 | $64.9M | 64,894 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $39.8M | 39,846 | RCOAA223 |
| Recomputed ratio | 162.86% | numerator / denominator | |
| Filed ratio | 162.86% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +152.86 pp | $60.9M | capital that could be lost first |
Tier 1 leverage ratio 77.24% +72.24 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 | $64.9M | 64,894 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $84.0M | 84,014 | RCOAA224 |
| Recomputed ratio | 77.24% | numerator / denominator | |
| Filed ratio | 77.24% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +72.24 pp | $60.7M | 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 | 3Q26 | Source |
|---|---|---|
| Common stock plus related surplus, net of treasury stock | 32,294 | RCOAP742 |
| Retained earnings | 32,600 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 64,894 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 64,894 | RCOAP859 |
| Additional Tier 1 capital | 0 | RCOAP865 |
| Tier 1 capital | 64,894 | RCOA8274 |
| Tier 2 capital | 0 | RCOA5311 |
| Allowance includable in Tier 2 capital | 0 | RCOA5310 |
| Total capital | 64,894 | RCOA3792 |
| Total risk-weighted assets | 39,846 | RCOAA223 |
| Average total assets for the leverage ratio | 84,014 | RCOAA224 |
Risk-weighted assets by exposure category, 3Q26
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 |
|---|---|---|---|---|---|
| Market risk and other approaches | — | $39.8M | — | 100.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $0 | ties to item 31 ($0) |
|---|---|---|
| Risk-weighted assets before deductions | $39.8M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $39.8M | RCONG641, ties |
1 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 |
|---|---|---|---|---|---|---|---|---|---|
| 3Q26 | Risk-based | 162.86% | 162.86% | 162.86% | 77.24% | 13.62% | 13.62% | 14.73% | 10.57% |
A dash 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, 3Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Bitgo Bank & Trust, N.A. (this bank) | Risk-based | 162.86% | 162.86% | 162.86% | 77.24% | |
| First Federal Bank | $4.51B | Risk-based | 19.28% | 19.28% | 19.78% | 10.15% |
| First State Community Bank | $4.50B | Risk-based | 14.64% | 14.64% | 15.74% | 12.09% |
| American Business Bank | $4.53B | Risk-based | 12.41% | 12.41% | 13.31% | 10.79% |
| Metro City Bank | $4.54B | Risk-based | 17.46% | 17.46% | 18.35% | 11.50% |
| ChoiceOne Bank | $4.46B | Risk-based | 11.79% | 11.79% | 12.88% | 9.29% |
| International Bank of Commerce | $4.57B | Risk-based | 30.25% | 30.25% | 31.51% | 14.71% |
| First Business Bank | $4.44B | Risk-based | 11.20% | 11.20% | 12.15% | 10.40% |
| Hingham Institution for Savings | $4.58B | Risk-based | 14.99% | 14.99% | 15.86% | 11.34% |
| Texas Exchange Bank | $4.43B | Risk-based | 26.51% | 26.51% | 27.40% | 12.84% |
| Town Bank, N.A. | $4.60B | Risk-based | 11.54% | 11.54% | 12.15% | 9.81% |
| Peer 25th percentile | 11.94% | 11.94% | 12.99% | 10.21% | ||
| Peer median | 14.81% | 14.81% | 15.80% | 11.06% | ||
| Peer 75th percentile | 18.83% | 18.83% | 19.42% | 11.94% | ||
| This bank's percentile | 100 | 100 | 100 | 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/6060819/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.