Broadway National Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.73% (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: 9.73% (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 16.72% +10.22 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 | $614.8M | 614,816 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.68B | 3,677,289 | RCOAA223 |
| Recomputed ratio | 16.72% | numerator / denominator | |
| Filed ratio | 16.72% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.22 pp | $375.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.72% +8.72 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 | $614.8M | 614,816 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.68B | 3,677,289 | RCOAA223 |
| Recomputed ratio | 16.72% | numerator / denominator | |
| Filed ratio | 16.72% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.72 pp | $320.6M | capital that could be lost first |
Total risk-based capital ratio 17.73% +7.73 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 | $651.9M | 651,876 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.68B | 3,677,289 | RCOAA223 |
| Recomputed ratio | 17.73% | numerator / denominator | |
| Filed ratio | 17.73% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.73 pp | $284.1M | capital that could be lost first |
Tier 1 leverage ratio 10.93% +5.93 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 | $614.8M | 614,816 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $5.62B | 5,624,500 | RCOAA224 |
| Recomputed ratio | 10.93% | numerator / denominator | |
| Filed ratio | 10.93% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.93 pp | $333.6M | 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 | 76,791 | 76,791 | 76,791 | 76,791 | 76,791 | 76,791 | RCOAP742 |
| Retained earnings | 556,854 | 541,051 | 534,556 | 526,706 | 518,802 | 518,502 | RCOAKW00 |
| Accumulated other comprehensive income | (140,552) | (145,985) | (136,873) | (150,806) | (175,306) | (183,704) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 493,093 | 471,857 | 474,474 | 452,691 | 420,287 | 411,589 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 121,723 | 127,156 | 118,044 | 131,977 | 156,477 | 164,875 | P859 - P840 |
| Common equity Tier 1 capital | 614,816 | 599,013 | 592,518 | 584,668 | 576,764 | 576,464 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 614,816 | 599,013 | 592,518 | 584,668 | 576,764 | 576,464 | RCOA8274 |
| Tier 2 capital | 37,060 | 38,220 | 38,645 | 39,895 | 41,282 | 40,362 | RCOA5311 |
| Allowance includable in Tier 2 capital | 37,060 | 38,220 | 38,645 | 39,895 | 41,282 | 40,362 | RCOA5310 |
| Total capital | 651,876 | 637,233 | 631,163 | 624,563 | 618,046 | 616,826 | RCOA3792 |
| Total risk-weighted assets | 3,677,289 | 3,791,771 | 3,856,811 | 4,135,542 | 4,232,171 | 4,131,773 | RCOAA223 |
| Average total assets for the leverage ratio | 5,624,500 | 5,865,505 | 5,975,579 | 5,932,109 | 5,851,668 | 5,835,762 | 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 | $337.9M | $11.6M | 3.44% | 0.32% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.64B | $296.1M | 18.00% | 8.05% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $885.7M | $494.2M | 55.80% | 13.44% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $9.5M | $14.2M | 150.00% | 0.39% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $2.3M | $2.8M | 121.14% | 0.08% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.27B | $2.19B | 96.19% | 59.46% | RC-R Part II, item 4.d, 5.d |
| All other assets | $221.1M | $207.2M | 93.70% | 5.63% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $389.1M | $372.7M | 95.78% | 10.13% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $9.0M | $2.8M | 31.14% | 0.08% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $89.3M | NA | 2.43% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $3.59B | ties to item 31 ($3.59B) |
|---|---|---|
| Risk-weighted assets before deductions | $3.68B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $3.68B | 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 | 16.72% | 16.72% | 17.73% | 10.93% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 15.80% | 15.80% | 16.81% | 10.21% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 15.36% | 15.36% | 16.36% | 9.92% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 14.14% | 14.14% | 15.10% | 9.86% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.63% | 13.63% | 14.60% | 9.86% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.95% | 13.95% | 14.93% | 9.88% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.45% | 13.45% | 14.38% | 9.52% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.57% | 13.57% | 14.54% | 9.42% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.30% | 13.30% | 14.27% | 9.39% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.14% | 13.14% | 14.07% | 9.64% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.94% | 12.94% | 13.82% | 9.70% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.80% | 12.80% | 13.63% | 9.64% | 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 |
|---|---|---|---|---|---|---|
| Broadway National Bank (this bank) | Risk-based | 16.72% | 16.72% | 17.73% | 10.93% | |
| Stride Bank, N.A. | $5.42B | Risk-based | 18.76% | 18.76% | 19.84% | 8.37% |
| Peoples Security Bank and Trust Company | $5.43B | Risk-based | 12.75% | 12.75% | 13.74% | 10.46% |
| The Canandaigua National Bank and Trust Company | $5.41B | Risk-based | 12.34% | 12.34% | 13.38% | 9.01% |
| Green Dot Bank | $5.44B | Risk-based | 31.97% | 31.97% | 32.43% | 8.59% |
| Coastal Community Bank | $5.45B | Risk-based | 10.97% | 10.97% | 12.27% | 9.13% |
| City Bank | $5.39B | Risk-based | 13.39% | 13.39% | 14.50% | 10.79% |
| Bridgewater Bank | $5.38B | Risk-based | 12.73% | 12.73% | 13.98% | 11.65% |
| Five Star Bank | $5.38B | Risk-based | 11.11% | 11.11% | 12.12% | 10.25% |
| Morton Community Bank | $5.35B | Risk-based | 13.59% | 13.59% | 14.59% | 10.62% |
| Northfield Bank | $5.50B | CBLR | NA | NA | NA | 13.13% |
| Peer 25th percentile | 12.34% | 12.34% | 13.38% | 9.04% | ||
| Peer median | 12.75% | 12.75% | 13.98% | 10.36% | ||
| Peer 75th percentile | 13.59% | 13.59% | 14.59% | 10.74% | ||
| This bank's percentile | 78 | 78 | 78 | 80 |
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/474254/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.