BNY Mellon Trust of Delaware: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 157.16% (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: 157.16% (RCFAH311).
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 164.90% +158.40 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 | $56.5M | 56,480 | RCFWP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $34.3M | 34,252 | RCFAA223 |
| Recomputed ratio | 164.90% | numerator / denominator | |
| Filed ratio | 164.90% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +158.40 pp | $54.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 164.90% +156.90 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 | $56.5M | 56,480 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $34.3M | 34,252 | RCFAA223 |
| Recomputed ratio | 164.90% | numerator / denominator | |
| Filed ratio | 164.90% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +156.90 pp | $53.7M | capital that could be lost first |
Total risk-based capital ratio 165.16% +155.16 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 | $56.6M | 56,572 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $34.3M | 34,252 | RCFAA223 |
| Recomputed ratio | 165.16% | numerator / denominator | |
| Filed ratio | 165.16% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +155.16 pp | $53.1M | capital that could be lost first |
Tier 1 leverage ratio 29.59% +24.59 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 | $56.5M | 56,480 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $190.9M | 190,884 | RCFAA224 |
| Recomputed ratio | 29.59% | numerator / denominator | |
| Filed ratio | 29.59% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +24.59 pp | $46.9M | capital that could be lost first |
Supplementary leverage ratio 29.59%
Tier 1 capital over total leverage exposure, which adds off-balance-sheet exposures to on-balance-sheet assets. Filed by advanced-approaches and Category III banks.
| Tier 1 capital | $56.5M | 56,480 | RCFA8274 |
|---|---|---|---|
| Divided by total leverage exposure | $190.9M | 190,884 | RCFAH015 |
| Recomputed ratio | 29.59% | numerator / denominator | |
| Filed ratio | 29.59% | RCFAH036 |
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 | 96,992 | 96,955 | 96,921 | 96,892 | 96,867 | 96,843 | RCFAP742 |
| Retained earnings | 26,807 | 28,269 | 24,541 | 25,970 | 22,414 | 19,061 | RCFAKW00 |
| Accumulated other comprehensive income | (22,117) | (22,243) | (22,368) | (23,245) | (23,410) | (23,575) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 101,682 | 102,981 | 99,094 | 99,617 | 95,871 | 92,329 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | (45,202) | (45,205) | (45,208) | (45,215) | (45,222) | (45,229) | P859 - P840 |
| Common equity Tier 1 capital | 56,480 | 57,776 | 53,886 | 54,402 | 50,649 | 47,100 | RCFWP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 56,480 | 57,776 | 53,886 | 54,402 | 50,649 | 47,100 | RCFA8274 |
| Tier 2 capital | 92 | 79 | 51 | 54 | 53 | 50 | RCFA5311 |
| Allowance includable in Tier 2 capital | 92 | 79 | 51 | 54 | 53 | 50 | RCFA5310 |
| Total capital | 56,572 | 57,855 | 53,937 | 54,456 | 50,702 | 47,150 | RCFA3792 |
| Total risk-weighted assets | 34,252 | 33,207 | 34,147 | 33,957 | 32,808 | 33,180 | RCFAA223 |
| Average total assets for the leverage ratio | 190,884 | 187,152 | 172,974 | 167,560 | 170,351 | 179,397 | RCFAA224 |
| Total leverage exposure | 190,884 | 187,152 | 172,974 | 167,560 | 170,351 | 179,397 | RCFAH015 |
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 | $175.4M | $109K | 0.06% | 0.32% | RC-R Part II, item 1 |
| Loans: residential mortgage | $6.6M | $6.6M | 100.00% | 19.18% | RC-R Part II, item 4.a, 5.a |
| All other assets | $27.6M | $27.6M | 99.90% | 80.51% | RC-R Part II, item 8 |
| 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 | $34.3M | ties to item 31 ($34.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $34.3M | RCFDB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $34.3M | RCFDG641, 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 | 164.90% | 164.90% | 165.16% | 29.59% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 173.99% | 173.99% | 174.23% | 30.87% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 157.81% | 157.81% | 157.96% | 31.15% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 160.21% | 160.21% | 160.37% | 32.47% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 154.38% | 154.38% | 154.54% | 29.73% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 141.95% | 141.95% | 142.10% | 26.25% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | NA | NA | NA | 31.15% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | NA | NA | NA | 33.16% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | NA | NA | NA | 30.44% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | NA | NA | NA | 31.11% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | NA | NA | NA | 32.37% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | NA | NA | NA | 33.03% | 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 |
|---|---|---|---|---|---|---|
| BNY Mellon Trust of Delaware (this bank) | Risk-based | 164.90% | 164.90% | 165.16% | 29.59% | |
| Hometown Bank | $254.9M | Risk-based | 10.82% | 10.82% | 11.59% | 8.17% |
| Farmers State Bank | $254.8M | CBLR | NA | NA | NA | 9.99% |
| First Bank & Trust Company | $255.2M | CBLR | NA | NA | NA | 11.34% |
| Mountain Valley Bank | $254.6M | Risk-based | 15.17% | 15.17% | 16.05% | 10.02% |
| Wayne Bank and Trust Co. | $255.3M | CBLR | NA | NA | NA | 9.53% |
| The Bank of Monroe | $255.4M | Risk-based | 21.49% | 21.49% | 22.79% | 13.22% |
| The Gunnison Bank and Trust Company | $255.4M | CBLR | NA | NA | NA | 13.86% |
| Home Bank of California | $255.4M | CBLR | NA | NA | NA | 12.27% |
| Merchants Bank | $254.3M | Risk-based | 13.87% | 13.87% | 15.03% | 10.56% |
| Idaho Trust Bank | $255.6M | Risk-based | 14.10% | 14.10% | 15.17% | 11.23% |
| Peer 25th percentile | 13.87% | 13.87% | 15.03% | 10.00% | ||
| Peer median | 14.10% | 14.10% | 15.17% | 10.90% | ||
| Peer 75th percentile | 15.17% | 15.17% | 16.05% | 12.04% | ||
| 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/488318/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.