The Brady National Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 12.83% (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: 12.83% (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 19.57% +13.07 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 | $16.3M | 16,302 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $83.3M | 83,292 | RCOAA223 |
| Recomputed ratio | 19.57% | numerator / denominator | |
| Filed ratio | 19.57% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +13.07 pp | $10.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 19.57% +11.57 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 | $16.3M | 16,302 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $83.3M | 83,292 | RCOAA223 |
| Recomputed ratio | 19.57% | numerator / denominator | |
| Filed ratio | 19.57% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +11.57 pp | $9.6M | capital that could be lost first |
Total risk-based capital ratio 20.83% +10.83 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 | $17.3M | 17,347 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $83.3M | 83,292 | RCOAA223 |
| Recomputed ratio | 20.83% | numerator / denominator | |
| Filed ratio | 20.83% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +10.83 pp | $9.0M | capital that could be lost first |
Tier 1 leverage ratio 10.00% +5.00 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 | $16.3M | 16,302 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $163.0M | 163,031 | RCOAA224 |
| Recomputed ratio | 10.00% | numerator / denominator | |
| Filed ratio | 10.00% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.00 pp | $8.2M | 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 | 700 | 700 | 700 | 700 | 700 | 700 | RCOAP742 |
| Retained earnings | 15,602 | 15,404 | 15,194 | 14,989 | 14,804 | 14,649 | RCOAKW00 |
| Accumulated other comprehensive income | (2,687) | (2,651) | (2,795) | (2,839) | (4,159) | (4,169) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 13,615 | 13,453 | 13,099 | 12,850 | 11,345 | 11,180 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,687 | 2,651 | 2,795 | 2,839 | 4,159 | 4,169 | P859 - P840 |
| Common equity Tier 1 capital | 16,302 | 16,104 | 15,894 | 15,689 | 15,504 | 15,349 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 16,302 | 16,104 | 15,894 | 15,689 | 15,504 | 15,349 | RCOA8274 |
| Tier 2 capital | 1,045 | 1,095 | 1,088 | 1,067 | 1,077 | 1,100 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,045 | 1,095 | 1,088 | 1,067 | 1,077 | 1,100 | RCOA5310 |
| Total capital | 17,347 | 17,199 | 16,982 | 16,756 | 16,581 | 16,449 | RCOA3792 |
| Total risk-weighted assets | 83,292 | 87,406 | 86,829 | 85,083 | 85,922 | 87,771 | RCOAA223 |
| Average total assets for the leverage ratio | 163,031 | 164,705 | 158,997 | 151,705 | 149,194 | 156,722 | 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 | $35.7M | $6.8M | 19.06% | 8.14% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $50.9M | $10.4M | 20.48% | 12.49% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $34.9M | $19.6M | 56.05% | 23.44% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $42.6M | $41.7M | 97.84% | 49.90% | RC-R Part II, item 4.d, 5.d |
| All other assets | $6.8M | $3.0M | 43.28% | 3.54% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.4M | $1.4M | 100.00% | 1.65% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $708K | NA | 0.85% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $82.8M | ties to item 31 ($82.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $83.5M | RCONB704 |
| Less: excess allowance for credit losses | $225K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $83.3M | 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 | 19.57% | 19.57% | 20.83% | 10.00% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 18.42% | 18.42% | 19.68% | 9.78% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 18.30% | 18.30% | 19.56% | 10.00% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 18.44% | 18.44% | 19.69% | 10.34% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 18.04% | 18.04% | 19.30% | 10.39% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 17.49% | 17.49% | 18.74% | 9.79% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 16.89% | 16.89% | 18.14% | 10.23% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 17.54% | 17.54% | 18.80% | 10.26% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 18.07% | 18.07% | 19.33% | 10.11% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 17.25% | 17.25% | 18.51% | 9.51% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 17.25% | 17.25% | 18.50% | 9.56% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 17.36% | 17.36% | 18.61% | 9.86% | 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 Brady National Bank (this bank) | Risk-based | 19.57% | 19.57% | 20.83% | 10.00% | |
| The First National Bank of Eagle Lake | $167.7M | CBLR | NA | NA | NA | 11.38% |
| Riverwind Bank | $167.8M | CBLR | NA | NA | NA | 9.09% |
| Commerce Bank | $167.9M | CBLR | NA | NA | NA | 12.46% |
| Unb Bank | $167.3M | CBLR | NA | NA | NA | 9.33% |
| Farmers State Bank of Western Illinois | $167.3M | CBLR | NA | NA | NA | 14.08% |
| Impact Bank | $167.2M | Risk-based | 15.40% | 15.40% | 16.49% | 10.62% |
| The First National Bank of Quitaque | $167.1M | CBLR | NA | NA | NA | 10.59% |
| Jarrettsville Federal Savings and Loan Association | $167.1M | CBLR | NA | NA | NA | 12.20% |
| Peer 25th percentile | NA | NA | NA | 10.28% | ||
| Peer median | 15.40% | 15.40% | 16.49% | 11.00% | ||
| Peer 75th percentile | NA | NA | NA | 12.27% | ||
| This bank's percentile | NA | NA | NA | 25 |
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/101952/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.