Builtwell Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.98% (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: 6.98% (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 13.73% +7.23 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 | $216.1M | 216,070 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.57B | 1,574,225 | RCOAA223 |
| Recomputed ratio | 13.73% | numerator / denominator | |
| Filed ratio | 13.73% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.23 pp | $113.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.73% +5.73 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 | $216.1M | 216,070 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.57B | 1,574,225 | RCOAA223 |
| Recomputed ratio | 13.73% | numerator / denominator | |
| Filed ratio | 13.73% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.73 pp | $90.1M | capital that could be lost first |
Total risk-based capital ratio 14.98% +4.98 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 | $235.8M | 235,805 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.57B | 1,574,225 | RCOAA223 |
| Recomputed ratio | 14.98% | numerator / denominator | |
| Filed ratio | 14.98% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.98 pp | $78.4M | capital that could be lost first |
Tier 1 leverage ratio 9.71% +4.71 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 | $216.1M | 216,070 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.22B | 2,224,938 | RCOAA224 |
| Recomputed ratio | 9.71% | numerator / denominator | |
| Filed ratio | 9.71% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.71 pp | $104.8M | 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 | 232,501 | 232,501 | 232,501 | 232,501 | 140,713 | 140,713 | RCOAP742 |
| Retained earnings | 42,706 | 30,656 | 18,900 | 80,479 | 65,977 | 55,789 | RCOAKW00 |
| Accumulated other comprehensive income | (280) | 249 | 1,856 | 2,121 | 1,354 | 1,111 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 274,927 | 263,406 | 253,257 | 315,101 | 208,044 | 197,613 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (58,857) | (59,796) | (61,928) | (62,664) | (35,954) | (35,359) | P859 - P840 |
| Common equity Tier 1 capital | 216,070 | 203,610 | 191,329 | 252,437 | 172,090 | 162,254 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 216,070 | 203,610 | 191,329 | 252,437 | 172,090 | 162,254 | RCOA8274 |
| Tier 2 capital | 19,735 | 20,213 | 20,066 | 20,372 | 16,722 | 16,773 | RCOA5311 |
| Allowance includable in Tier 2 capital | 19,735 | 20,213 | 20,066 | 20,372 | 16,722 | 16,773 | RCOA5310 |
| Total capital | 235,805 | 223,823 | 211,395 | 272,809 | 188,812 | 179,027 | RCOA3792 |
| Total risk-weighted assets | 1,574,225 | 1,612,949 | 1,601,617 | 1,626,288 | 1,333,831 | 1,338,269 | RCOAA223 |
| Average total assets for the leverage ratio | 2,224,938 | 2,230,980 | 2,268,164 | 2,266,200 | 1,893,036 | 1,868,855 | 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 | $302.7M | $567K | 0.19% | 0.04% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $303.2M | $47.2M | 15.58% | 2.99% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $10.8M | $2.5M | 22.66% | 0.16% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $368.6M | $189.6M | 51.43% | 12.01% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $18.9M | $28.4M | 150.00% | 1.80% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $5.8M | $7.3M | 126.06% | 0.46% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.17B | $1.16B | 99.42% | 73.51% | RC-R Part II, item 4.d, 5.d |
| All other assets | $65.5M | $61.8M | 94.34% | 3.91% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $80.4M | $80.4M | 100.00% | 5.09% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $615K | NA | 0.04% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.58B | ties to item 31 ($1.58B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.58B | RCONB704 |
| Less: excess allowance for credit losses | $4.6M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.57B | 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 | 13.73% | 13.73% | 14.98% | 9.71% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.62% | 12.62% | 13.88% | 9.13% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.95% | 11.95% | 13.20% | 8.44% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 15.52% | 15.52% | 16.77% | 11.14% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.90% | 12.90% | 14.16% | 9.09% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.12% | 12.12% | 13.38% | 8.68% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.61% | 14.61% | 15.86% | 10.10% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.34% | 13.34% | 14.59% | 9.93% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.73% | 12.73% | 13.98% | 9.61% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.22% | 12.22% | 13.47% | 9.29% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 14.39% | 14.39% | 15.65% | 10.56% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 14.78% | 14.78% | 16.04% | 10.06% | 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 |
|---|---|---|---|---|---|---|
| Builtwell Bank (this bank) | Risk-based | 13.73% | 13.73% | 14.98% | 9.71% | |
| Queensborough National Bank & Trust Company | $2.28B | Risk-based | 12.36% | 12.36% | 13.35% | 8.64% |
| Golden Bank, N.A. | $2.28B | Risk-based | 15.60% | 15.60% | 16.85% | 13.74% |
| Plumas Bank | $2.28B | CBLR | NA | NA | NA | 11.77% |
| Central Bank | $2.29B | Risk-based | 10.60% | 10.60% | 11.55% | 10.09% |
| Parke Bank | $2.30B | CBLR | NA | NA | NA | 15.88% |
| Crystal Lake Bank & Trust Company, N.A. | $2.26B | Risk-based | 10.79% | 10.79% | 11.63% | 9.65% |
| Blue Ridge Bank, N.A. | $2.31B | Risk-based | 15.10% | 15.10% | 16.36% | 11.23% |
| South Central Bank, Inc. | $2.26B | Risk-based | 12.08% | 12.08% | 13.12% | 9.88% |
| The First National Bank of Fort Smith | $2.31B | CBLR | NA | NA | NA | 11.08% |
| Peer 25th percentile | 11.11% | 11.11% | 12.00% | 9.88% | ||
| Peer median | 12.22% | 12.22% | 13.24% | 11.08% | ||
| Peer 75th percentile | 14.42% | 14.42% | 15.60% | 11.77% | ||
| This bank's percentile | 67 | 67 | 67 | 22 |
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/234739/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.