Blueharbor Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.16% (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: 6.16% (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 13.14% +6.64 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 | $72.6M | 72,636 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $552.6M | 552,582 | RCOAA223 |
| Recomputed ratio | 13.14% | numerator / denominator | |
| Filed ratio | 13.14% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.64 pp | $36.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.14% +5.14 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 | $72.6M | 72,636 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $552.6M | 552,582 | RCOAA223 |
| Recomputed ratio | 13.14% | numerator / denominator | |
| Filed ratio | 13.14% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.14 pp | $28.4M | capital that could be lost first |
Total risk-based capital ratio 14.16% +4.16 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 | $78.2M | 78,244 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $552.6M | 552,582 | RCOAA223 |
| Recomputed ratio | 14.16% | numerator / denominator | |
| Filed ratio | 14.16% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.16 pp | $23.0M | capital that could be lost first |
Tier 1 leverage ratio 11.78% +6.78 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 | $72.6M | 72,636 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $616.4M | 616,412 | RCOAA224 |
| Recomputed ratio | 11.78% | numerator / denominator | |
| Filed ratio | 11.78% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.78 pp | $41.8M | 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 | 24,085 | 23,971 | 23,538 | 23,483 | 23,429 | 23,615 | RCOAP742 |
| Retained earnings | 48,551 | 45,029 | 44,688 | 42,199 | 39,347 | 37,571 | RCOAKW00 |
| Accumulated other comprehensive income | (3,013) | (3,090) | (2,934) | (3,122) | (3,596) | (3,465) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 69,623 | 65,910 | 65,292 | 62,560 | 59,180 | 57,721 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,013 | 3,090 | 2,934 | 3,122 | 3,596 | 3,465 | P859 - P840 |
| Common equity Tier 1 capital | 72,636 | 69,000 | 68,226 | 65,682 | 62,776 | 61,186 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 72,636 | 69,000 | 68,226 | 65,682 | 62,776 | 61,186 | RCOA8274 |
| Tier 2 capital | 5,608 | 5,506 | 5,444 | 5,185 | 4,831 | 4,581 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,608 | 5,506 | 5,444 | 5,185 | 4,831 | 4,581 | RCOA5310 |
| Total capital | 78,244 | 74,506 | 73,670 | 70,867 | 67,607 | 65,767 | RCOA3792 |
| Total risk-weighted assets | 552,582 | 543,040 | 534,714 | 511,135 | 479,762 | 452,988 | RCOAA223 |
| Average total assets for the leverage ratio | 616,412 | 603,319 | 589,835 | 548,226 | 524,786 | 506,433 | 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 | $50.2M | $893K | 1.78% | 0.16% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $28.4M | $8.1M | 28.71% | 1.47% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $200K | $200K | 100.00% | 0.04% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $219.0M | $162.5M | 74.20% | 29.41% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $3.0M | $4.5M | 150.00% | 0.82% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $315.1M | $310.5M | 98.55% | 56.19% | RC-R Part II, item 4.d, 5.d |
| All other assets | $20.3M | $19.9M | 98.31% | 3.60% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $44.7M | $44.7M | 100.00% | 8.08% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1.3M | NA | 0.23% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $551.3M | ties to item 31 ($551.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $552.6M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $552.6M | 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 | 13.14% | 13.14% | 14.16% | 11.78% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.71% | 12.71% | 13.72% | 11.44% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.76% | 12.76% | 13.78% | 11.57% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.85% | 12.85% | 13.86% | 11.98% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.08% | 13.08% | 14.09% | 11.96% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.51% | 13.51% | 14.52% | 12.08% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.13% | 13.13% | 14.14% | 11.98% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.56% | 13.56% | 14.60% | 12.03% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.84% | 13.84% | 14.90% | 11.96% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.23% | 14.23% | 15.25% | 12.22% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 14.27% | 14.27% | 15.29% | 12.37% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.27% | 14.27% | 15.28% | 12.06% | 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 |
|---|---|---|---|---|---|---|
| Blueharbor Bank (this bank) | Risk-based | 13.14% | 13.14% | 14.16% | 11.78% | |
| CS Bank | $628.5M | CBLR | NA | NA | NA | 11.97% |
| FNBT Bank | $628.5M | Risk-based | 30.55% | 30.55% | 31.81% | 11.08% |
| Community Bank of Pickens County | $628.6M | Risk-based | 18.94% | 18.94% | 20.13% | 13.55% |
| Marion County State Bank | $628.6M | Risk-based | 13.92% | 13.92% | 14.75% | 10.41% |
| First Bank, Upper Michigan | $629.5M | Risk-based | 15.96% | 15.96% | 17.02% | 12.68% |
| Slovenian Savings and Loan Association of Canonsburg, Pa | $627.0M | CBLR | NA | NA | NA | 16.55% |
| Exchange Bank & Trust | $626.8M | CBLR | NA | NA | NA | 12.97% |
| Scale Bank | $626.7M | CBLR | NA | NA | NA | 14.02% |
| Banktennessee | $630.3M | Risk-based | 12.05% | 12.05% | 13.30% | 9.73% |
| Peer 25th percentile | 13.92% | 13.92% | 14.75% | 11.08% | ||
| Peer median | 15.96% | 15.96% | 17.02% | 12.68% | ||
| Peer 75th percentile | 18.94% | 18.94% | 20.13% | 13.55% | ||
| This bank's percentile | 20 | 20 | 20 | 33 |
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/3636914/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.