Brickyard Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 16.88% (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: 16.88% (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 23.63% +17.13 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 | $25.6M | 25,552 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $108.2M | 108,151 | RCOAA223 |
| Recomputed ratio | 23.63% | numerator / denominator | |
| Filed ratio | 23.63% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +17.13 pp | $18.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 23.63% +15.63 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 | $25.6M | 25,552 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $108.2M | 108,151 | RCOAA223 |
| Recomputed ratio | 23.63% | numerator / denominator | |
| Filed ratio | 23.63% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +15.63 pp | $16.9M | capital that could be lost first |
Total risk-based capital ratio 24.88% +14.88 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 | $26.9M | 26,908 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $108.2M | 108,151 | RCOAA223 |
| Recomputed ratio | 24.88% | numerator / denominator | |
| Filed ratio | 24.88% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +14.88 pp | $16.1M | capital that could be lost first |
Tier 1 leverage ratio 15.64% +10.64 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 | $25.6M | 25,552 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $163.4M | 163,406 | RCOAA224 |
| Recomputed ratio | 15.64% | numerator / denominator | |
| Filed ratio | 15.64% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +10.64 pp | $17.4M | 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 | 34,479 | 34,479 | 34,479 | 34,479 | 34,479 | 34,479 | RCOAP742 |
| Retained earnings | (7,611) | (8,129) | (8,739) | (9,282) | (9,814) | (10,128) | RCOAKW00 |
| Accumulated other comprehensive income | (881) | (877) | (769) | (593) | (930) | (908) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 25,987 | 25,473 | 24,971 | 24,604 | 23,735 | 23,443 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (435) | (604) | (907) | (7) | 293 | 105 | P859 - P840 |
| Common equity Tier 1 capital | 25,552 | 24,869 | 24,064 | 24,597 | 24,028 | 23,548 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 25,552 | 24,869 | 24,064 | 24,597 | 24,028 | 23,548 | RCOA8274 |
| Tier 2 capital | 1,356 | 1,451 | 1,424 | 1,364 | 1,395 | 1,452 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,356 | 1,451 | 1,424 | 1,364 | 1,395 | 1,452 | RCOA5310 |
| Total capital | 26,908 | 26,320 | 25,488 | 25,961 | 25,423 | 25,000 | RCOA3792 |
| Total risk-weighted assets | 108,151 | 115,818 | 113,544 | 108,748 | 111,309 | 115,926 | RCOAA223 |
| Average total assets for the leverage ratio | 163,406 | 171,209 | 170,987 | 174,225 | 167,799 | 177,314 | 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 | $17.9M | $227K | 1.27% | 0.21% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $18.9M | $3.5M | 18.73% | 3.27% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $23.4M | $11.7M | 50.00% | 10.76% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $83K | $42K | 50.00% | 0.04% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $96.5M | $89.0M | 92.28% | 82.01% | RC-R Part II, item 4.d, 5.d |
| All other assets | $3.8M | $3.4M | 88.87% | 3.10% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $3.1M | $660K | 21.32% | 0.61% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | 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 | $108.5M | ties to item 31 ($108.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $108.5M | RCONB704 |
| Less: excess allowance for credit losses | $385K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $108.2M | 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 | 23.63% | 23.63% | 24.88% | 15.64% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 21.47% | 21.47% | 22.73% | 14.53% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 21.19% | 21.19% | 22.45% | 14.07% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 22.62% | 22.62% | 23.87% | 14.12% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 21.59% | 21.59% | 22.84% | 14.32% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 20.31% | 20.31% | 21.57% | 13.28% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 20.39% | 20.39% | 21.65% | 13.24% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 19.64% | 19.64% | 20.89% | 13.56% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 18.87% | 18.87% | 20.12% | 13.62% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 18.70% | 18.70% | 19.96% | 13.38% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 18.22% | 18.22% | 19.47% | 13.50% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 17.22% | 17.22% | 18.47% | 11.99% | 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 |
|---|---|---|---|---|---|---|
| Brickyard Bank (this bank) | Risk-based | 23.63% | 23.63% | 24.88% | 15.64% | |
| First Community Bank | $158.9M | CBLR | NA | NA | NA | 10.38% |
| Farmers Bank & Trust | $159.0M | CBLR | NA | NA | NA | 10.58% |
| Bank of Monticello | $159.0M | CBLR | NA | NA | NA | 11.95% |
| Liberty State Bank | $159.0M | CBLR | NA | NA | NA | 13.66% |
| Citizens' Bank, Inc. | $158.9M | CBLR | NA | NA | NA | 11.00% |
| Fannin Bank | $159.1M | Risk-based | 16.15% | 16.15% | 17.40% | 8.60% |
| Home Federal Savings and Loan Association of Niles Ohio | $159.1M | CBLR | NA | NA | NA | 10.74% |
| Greenleaf Bank | $158.7M | CBLR | NA | NA | NA | 9.63% |
| The First National Bank of Arenzville | $158.7M | Risk-based | 10.63% | 10.63% | 11.49% | 8.83% |
| Peer 25th percentile | 12.01% | 12.01% | 12.96% | 9.63% | ||
| Peer median | 13.39% | 13.39% | 14.44% | 10.58% | ||
| Peer 75th percentile | 14.77% | 14.77% | 15.92% | 11.00% | ||
| 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/270531/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.