Bravera Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.83% (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: 4.83% (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 11.74% +5.24 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 | $373.6M | 373,576 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.18B | 3,183,335 | RCOAA223 |
| Recomputed ratio | 11.74% | numerator / denominator | |
| Filed ratio | 11.74% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.24 pp | $166.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.74% +3.74 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 | $373.6M | 373,576 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.18B | 3,183,335 | RCOAA223 |
| Recomputed ratio | 11.74% | numerator / denominator | |
| Filed ratio | 11.74% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.74 pp | $118.9M | capital that could be lost first |
Total risk-based capital ratio 12.83% +2.83 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 | $408.4M | 408,408 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.18B | 3,183,335 | RCOAA223 |
| Recomputed ratio | 12.83% | numerator / denominator | |
| Filed ratio | 12.83% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.83 pp | $90.1M | capital that could be lost first |
Tier 1 leverage ratio 9.73% +4.73 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 | $373.6M | 373,576 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.84B | 3,838,856 | RCOAA224 |
| Recomputed ratio | 9.73% | numerator / denominator | |
| Filed ratio | 9.73% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.73 pp | $181.6M | 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 | 188,333 | 188,333 | 188,333 | 146,933 | 146,933 | 146,933 | RCOAP742 |
| Retained earnings | 235,781 | 235,386 | 226,754 | 218,393 | 213,494 | 208,324 | RCOAKW00 |
| Accumulated other comprehensive income | (26,100) | (25,792) | (20,461) | (22,981) | (32,669) | (38,058) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 398,014 | 397,927 | 394,626 | 342,345 | 327,758 | 317,199 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (24,438) | (25,209) | (30,878) | (11,388) | (2,318) | 2,486 | P859 - P840 |
| Common equity Tier 1 capital | 373,576 | 372,718 | 363,748 | 330,957 | 325,440 | 319,685 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 373,576 | 372,718 | 363,748 | 330,957 | 325,440 | 319,685 | RCOA8274 |
| Tier 2 capital | 34,832 | 33,208 | 32,600 | 30,629 | 30,567 | 29,262 | RCOA5311 |
| Allowance includable in Tier 2 capital | 34,832 | 33,208 | 32,600 | 30,629 | 30,567 | 29,262 | RCOA5310 |
| Total capital | 408,408 | 405,926 | 396,348 | 361,586 | 356,007 | 348,947 | RCOA3792 |
| Total risk-weighted assets | 3,183,335 | 3,136,104 | 3,143,487 | 2,870,476 | 2,803,385 | 2,747,852 | RCOAA223 |
| Average total assets for the leverage ratio | 3,838,856 | 3,830,788 | 3,755,485 | 3,439,662 | 3,427,823 | 3,446,540 | 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 | $29.8M | $3.2M | 10.62% | 0.10% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $717.4M | $115.9M | 16.16% | 3.64% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $2.3M | $465K | 20.00% | 0.01% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $371.0M | $252.7M | 68.13% | 7.94% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $56.6M | $84.9M | 150.00% | 2.67% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $24.2M | $36.3M | 150.00% | 1.14% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.33B | $2.29B | 98.44% | 71.94% | RC-R Part II, item 4.d, 5.d |
| All other assets | $157.8M | $158.1M | 100.20% | 4.97% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $213.7M | $211.1M | 98.79% | 6.63% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $30.5M | NA | 0.96% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $3.15B | does not tie to item 31 ($3.15B) |
|---|---|---|
| Risk-weighted assets before deductions | $3.18B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $3.18B | 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 | 11.74% | 11.74% | 12.83% | 9.73% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.88% | 11.88% | 12.94% | 9.73% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.57% | 11.57% | 12.61% | 9.69% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.53% | 11.53% | 12.60% | 9.62% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.61% | 11.61% | 12.70% | 9.49% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.63% | 11.63% | 12.70% | 9.28% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.33% | 11.33% | 12.42% | 9.24% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.40% | 11.40% | 12.48% | 9.29% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.46% | 11.46% | 12.53% | 9.14% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.82% | 11.82% | 12.93% | 9.23% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.43% | 11.43% | 12.53% | 9.30% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.12% | 11.12% | 12.18% | 8.78% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Bravera Bank (this bank) | Risk-based | 11.74% | 11.74% | 12.83% | 9.73% | |
| Independence Bank of Kentucky | $3.83B | CBLR | NA | NA | NA | 9.35% |
| Bank of Utah | $3.79B | Risk-based | 16.36% | 16.36% | 17.61% | 12.74% |
| Capital Bank, N.A. | $3.84B | Risk-based | 11.34% | 11.34% | 12.60% | 8.97% |
| Investar Bank, N.A. | $3.85B | Risk-based | 13.51% | 13.51% | 14.68% | 10.75% |
| Bank of Marin | $3.86B | Risk-based | 13.69% | 13.69% | 14.61% | 9.16% |
| Gulf Coast Bank and Trust Company | $3.86B | Risk-based | 11.85% | 11.85% | 13.10% | 9.07% |
| Security Bank of Kansas City | $3.86B | CBLR | NA | NA | NA | 12.77% |
| Carrollton Bank | $3.88B | Risk-based | 9.93% | 9.93% | 11.18% | 8.01% |
| First Guaranty Bank | $3.89B | Risk-based | 14.95% | 14.95% | 16.21% | 7.09% |
| Bank of the Sierra | $3.72B | CBLR | NA | NA | NA | 12.25% |
| Peer 25th percentile | 11.59% | 11.59% | 12.85% | 9.00% | ||
| Peer median | 13.51% | 13.51% | 14.61% | 9.26% | ||
| Peer 75th percentile | 14.32% | 14.32% | 15.45% | 11.87% | ||
| This bank's percentile | 29 | 29 | 29 | 60 |
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/971959/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.