C3BANK, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.83% (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: 9.83% (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 16.57% +10.07 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 | $93.8M | 93,757 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $565.7M | 565,706 | RCOAA223 |
| Recomputed ratio | 16.57% | numerator / denominator | |
| Filed ratio | 16.57% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.07 pp | $57.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.57% +8.57 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 | $93.8M | 93,757 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $565.7M | 565,706 | RCOAA223 |
| Recomputed ratio | 16.57% | numerator / denominator | |
| Filed ratio | 16.57% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.57 pp | $48.5M | capital that could be lost first |
Total risk-based capital ratio 17.83% +7.83 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 | $100.8M | 100,847 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $565.7M | 565,706 | RCOAA223 |
| Recomputed ratio | 17.83% | numerator / denominator | |
| Filed ratio | 17.83% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.83 pp | $44.3M | capital that could be lost first |
Tier 1 leverage ratio 10.59% +5.59 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 | $93.8M | 93,757 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $885.3M | 885,344 | RCOAA224 |
| Recomputed ratio | 10.59% | numerator / denominator | |
| Filed ratio | 10.59% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.59 pp | $49.5M | 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 | 38,244 | 38,244 | 38,244 | 38,244 | 38,244 | 38,244 | RCOAP742 |
| Retained earnings | 55,513 | 53,277 | 53,651 | 50,909 | 48,116 | 49,870 | RCOAKW00 |
| Accumulated other comprehensive income | (58) | (26) | 21 | 26 | (2) | (24) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 93,699 | 91,495 | 91,916 | 89,179 | 86,358 | 88,090 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 58 | 26 | (21) | (26) | 2 | 24 | P859 - P840 |
| Common equity Tier 1 capital | 93,757 | 91,521 | 91,895 | 89,153 | 86,360 | 88,114 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 93,757 | 91,521 | 91,895 | 89,153 | 86,360 | 88,114 | RCOA8274 |
| Tier 2 capital | 7,090 | 7,257 | 7,289 | 6,935 | 6,919 | 6,603 | RCOA5311 |
| Allowance includable in Tier 2 capital | 7,090 | 7,257 | 7,289 | 6,935 | 6,919 | 6,603 | RCOA5310 |
| Total capital | 100,847 | 98,778 | 99,184 | 96,088 | 93,279 | 94,717 | RCOA3792 |
| Total risk-weighted assets | 565,706 | 579,244 | 581,921 | 553,421 | 552,163 | 526,513 | RCOAA223 |
| Average total assets for the leverage ratio | 885,344 | 891,763 | 921,946 | 933,140 | 905,907 | 981,322 | 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 | $297.3M | $398K | 0.13% | 0.07% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $34.0M | $6.8M | 20.03% | 1.20% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $180.9M | $94.4M | 52.14% | 16.63% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $421.1M | $419.9M | 99.72% | 74.03% | RC-R Part II, item 4.d, 5.d |
| All other assets | $24.3M | $19.8M | 81.47% | 3.49% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $30.9M | $26.0M | 83.98% | 4.58% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $500 | 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 | $567.2M | ties to item 31 ($567.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $567.2M | RCONB704 |
| Less: excess allowance for credit losses | $1.5M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $565.7M | 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 | 16.57% | 16.57% | 17.83% | 10.59% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.80% | 15.80% | 17.05% | 10.26% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.79% | 15.79% | 17.04% | 9.97% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 16.11% | 16.11% | 17.36% | 9.55% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 15.64% | 15.64% | 16.89% | 9.53% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 16.74% | 16.74% | 17.99% | 8.98% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.92% | 15.92% | 17.17% | 9.78% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.88% | 14.88% | 16.14% | 10.35% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.56% | 13.56% | 14.82% | 9.46% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.98% | 13.98% | 15.24% | 9.16% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.71% | 13.71% | 14.96% | 9.23% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.17% | 13.17% | 14.42% | 9.09% | 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 |
|---|---|---|---|---|---|---|
| C3BANK, N.A. (this bank) | Risk-based | 16.57% | 16.57% | 17.83% | 10.59% | |
| The Farmers & Merchants Bank | $949.4M | Risk-based | 12.76% | 12.76% | 14.01% | 10.02% |
| Midwest Regional Bank | $949.0M | Risk-based | 11.40% | 11.40% | 12.67% | 10.23% |
| U.S. Bank Trust N.A. | $948.9M | Risk-based | 488.44% | 488.44% | 488.44% | 99.77% |
| First National Bank of Oklahoma | $949.9M | Risk-based | 13.23% | 13.23% | 14.48% | 10.46% |
| American Bank of Freedom | $948.3M | Risk-based | 13.55% | 13.55% | 14.80% | 10.01% |
| Stone Bank | $950.7M | Risk-based | 10.40% | 10.40% | 11.65% | 8.37% |
| Western Bank | $947.2M | CBLR | NA | NA | NA | 9.77% |
| First State Bank | $951.5M | CBLR | NA | NA | NA | 10.67% |
| Winchester Co-Operative Bank | $946.9M | CBLR | NA | NA | NA | 11.80% |
| Peer 25th percentile | 11.74% | 11.74% | 13.00% | 10.01% | ||
| Peer median | 12.99% | 12.99% | 14.24% | 10.23% | ||
| Peer 75th percentile | 13.47% | 13.47% | 14.72% | 10.67% | ||
| This bank's percentile | 83 | 83 | 83 | 67 |
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/754068/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.