The Bradford National Bank of Greenville: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.26% (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: 6.26% (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 13.05% +6.55 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 | $65.4M | 65,369 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $500.7M | 500,725 | RCOAA223 |
| Recomputed ratio | 13.05% | numerator / denominator | |
| Filed ratio | 13.05% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.55 pp | $32.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.05% +5.05 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 | $65.4M | 65,369 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $500.7M | 500,725 | RCOAA223 |
| Recomputed ratio | 13.05% | numerator / denominator | |
| Filed ratio | 13.05% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.05 pp | $25.3M | capital that could be lost first |
Total risk-based capital ratio 14.26% +4.26 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 | $71.4M | 71,398 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $500.7M | 500,725 | RCOAA223 |
| Recomputed ratio | 14.26% | numerator / denominator | |
| Filed ratio | 14.26% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.26 pp | $21.3M | capital that could be lost first |
Tier 1 leverage ratio 8.93% +3.93 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 | $65.4M | 65,369 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $732.0M | 732,028 | RCOAA224 |
| Recomputed ratio | 8.93% | numerator / denominator | |
| Filed ratio | 8.93% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.93 pp | $28.8M | 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 | 32,182 | 32,182 | 18,182 | 18,182 | 18,182 | 18,182 | RCOAP742 |
| Retained earnings | 44,297 | 43,852 | 51,039 | 50,995 | 49,412 | 48,890 | RCOAKW00 |
| Accumulated other comprehensive income | (9,329) | (11,901) | (9,766) | (11,634) | (14,590) | (14,136) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 67,150 | 64,133 | 59,455 | 57,543 | 53,004 | 52,936 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,781) | 353 | 703 | 2,485 | 5,353 | 4,812 | P859 - P840 |
| Common equity Tier 1 capital | 65,369 | 64,486 | 60,158 | 60,028 | 58,357 | 57,748 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 65,369 | 64,486 | 60,158 | 60,028 | 58,357 | 57,748 | RCOA8274 |
| Tier 2 capital | 6,029 | 5,934 | 4,684 | 4,627 | 4,515 | 4,468 | RCOA5311 |
| Allowance includable in Tier 2 capital | 6,029 | 5,934 | 4,684 | 4,627 | 4,515 | 4,468 | RCOA5310 |
| Total capital | 71,398 | 70,420 | 64,842 | 64,655 | 62,872 | 62,216 | RCOA3792 |
| Total risk-weighted assets | 500,725 | 514,342 | 483,417 | 483,380 | 480,844 | 458,469 | RCOAA223 |
| Average total assets for the leverage ratio | 732,028 | 686,880 | 650,569 | 648,306 | 643,020 | 636,352 | 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 | $60.6M | $3.2M | 5.28% | 0.64% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $152.1M | $36.9M | 24.27% | 7.37% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $11.7M | $2.3M | 20.00% | 0.47% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $86.5M | $50.0M | 57.78% | 9.98% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $3.5M | $5.3M | 150.00% | 1.05% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $214.5M | $214.5M | 100.00% | 42.85% | RC-R Part II, item 4.d, 5.d |
| All other assets | $31.4M | $27.0M | 85.72% | 5.38% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $12.7M | $12.7M | 100.00% | 2.53% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $724K | $0 | 0.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $148.8M | NA | 29.72% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $351.9M | ties to item 31 ($351.9M) |
|---|---|---|
| Risk-weighted assets before deductions | $500.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $500.7M | 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 | 13.05% | 13.05% | 14.26% | 8.93% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.54% | 12.54% | 13.69% | 9.39% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.44% | 12.44% | 13.41% | 9.25% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.42% | 12.42% | 13.38% | 9.26% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.14% | 12.14% | 13.08% | 9.08% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.60% | 12.60% | 13.57% | 9.07% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.13% | 12.13% | 13.04% | 8.96% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.18% | 12.18% | 13.17% | 8.87% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.86% | 11.86% | 12.84% | 8.65% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.94% | 11.94% | 12.89% | 8.39% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.40% | 11.40% | 12.33% | 8.17% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.49% | 11.49% | 12.41% | 8.59% | 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 |
|---|---|---|---|---|---|---|
| The Bradford National Bank of Greenville (this bank) | Risk-based | 13.05% | 13.05% | 14.26% | 8.93% | |
| Amg National Trust Bank | $722.9M | Risk-based | 24.32% | 24.32% | 24.95% | 15.37% |
| Bank of Luxemburg | $723.4M | Risk-based | 11.40% | 11.40% | 12.24% | 9.64% |
| The First National Bank of Sonora | $722.0M | Risk-based | 9.93% | 9.93% | 10.80% | 8.00% |
| Albany Bank & Trust Co., N.A. | $721.8M | CBLR | NA | NA | NA | 16.98% |
| Prism Bank | $720.9M | Risk-based | 11.19% | 11.19% | 12.44% | 10.08% |
| The Eastern Colorado Bank | $720.9M | Risk-based | 14.22% | 14.22% | 15.36% | 11.31% |
| The Northwestern Bank | $725.6M | CBLR | NA | NA | NA | 11.22% |
| Union State Bank | $719.1M | Risk-based | 14.00% | 14.00% | 15.11% | 10.25% |
| The Bank of Elk River | $719.1M | Risk-based | 13.64% | 13.64% | 14.80% | 9.14% |
| Peer 25th percentile | 11.29% | 11.29% | 12.34% | 9.64% | ||
| Peer median | 13.64% | 13.64% | 14.80% | 10.25% | ||
| Peer 75th percentile | 14.11% | 14.11% | 15.24% | 11.31% | ||
| This bank's percentile | 43 | 43 | 43 | 11 |
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/720746/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.