CalPrivate Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.86% (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: 6.86% (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 13.61% +7.11 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 | $304.2M | 304,212 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.24B | 2,235,391 | RCOAA223 |
| Recomputed ratio | 13.61% | numerator / denominator | |
| Filed ratio | 13.61% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.11 pp | $158.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.61% +5.61 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 | $304.2M | 304,212 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.24B | 2,235,391 | RCOAA223 |
| Recomputed ratio | 13.61% | numerator / denominator | |
| Filed ratio | 13.61% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.61 pp | $125.4M | capital that could be lost first |
Total risk-based capital ratio 14.86% +4.86 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 | $332.2M | 332,192 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.24B | 2,235,391 | RCOAA223 |
| Recomputed ratio | 14.86% | numerator / denominator | |
| Filed ratio | 14.86% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.86 pp | $108.7M | capital that could be lost first |
Tier 1 leverage ratio 11.52% +6.52 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 | $304.2M | 304,212 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.64B | 2,641,279 | RCOAA224 |
| Recomputed ratio | 11.52% | numerator / denominator | |
| Filed ratio | 11.52% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.52 pp | $172.1M | 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 | 93,597 | 93,164 | 92,933 | 92,488 | 92,014 | 91,550 | RCOAP742 |
| Retained earnings | 211,988 | 200,917 | 189,204 | 184,277 | 175,142 | 164,914 | RCOAKW00 |
| Accumulated other comprehensive income | (6,225) | (5,560) | (4,870) | (5,474) | (6,317) | (7,095) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 299,360 | 288,521 | 277,267 | 271,291 | 260,839 | 249,369 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,852 | 4,135 | 3,423 | 4,098 | 5,038 | 5,844 | P859 - P840 |
| Common equity Tier 1 capital | 304,212 | 292,656 | 280,690 | 275,389 | 265,877 | 255,213 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 304,212 | 292,656 | 280,690 | 275,389 | 265,877 | 255,213 | RCOA8274 |
| Tier 2 capital | 27,980 | 28,282 | 27,775 | 27,433 | 27,440 | 27,161 | RCOA5311 |
| Allowance includable in Tier 2 capital | 27,980 | 28,282 | 27,775 | 27,433 | 27,440 | 27,161 | RCOA5310 |
| Total capital | 332,192 | 320,938 | 308,465 | 302,822 | 293,317 | 282,374 | RCOA3792 |
| Total risk-weighted assets | 2,235,391 | 2,259,953 | 2,219,835 | 2,192,321 | 2,193,634 | 2,172,306 | RCOAA223 |
| Average total assets for the leverage ratio | 2,641,279 | 2,591,617 | 2,587,628 | 2,548,806 | 2,485,581 | 2,466,160 | 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 | $293.6M | $8.2M | 2.78% | 0.36% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $242.9M | $29.5M | 12.15% | 1.32% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $11.1M | $2.2M | 20.00% | 0.10% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $393.1M | $310.7M | 79.05% | 13.88% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $9.7M | $14.5M | 150.00% | 0.65% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.73B | $1.69B | 97.77% | 75.56% | RC-R Part II, item 4.d, 5.d |
| All other assets | $62.4M | $54.1M | 86.76% | 2.42% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $127.1M | $127.1M | 100.00% | 5.68% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $611K | NA | 0.03% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.24B | ties to item 31 ($2.24B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.24B | RCONB704 |
| Less: excess allowance for credit losses | $3.0M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.24B | 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 | 13.61% | 13.61% | 14.86% | 11.52% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.95% | 12.95% | 14.20% | 11.29% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.64% | 12.64% | 13.90% | 10.85% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.56% | 12.56% | 13.81% | 10.80% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.12% | 12.12% | 13.37% | 10.70% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.75% | 11.75% | 13.00% | 10.35% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.29% | 11.29% | 12.54% | 10.39% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.12% | 11.12% | 12.37% | 10.05% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.90% | 10.90% | 12.16% | 10.00% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.83% | 10.83% | 12.08% | 10.08% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.02% | 11.02% | 12.27% | 10.07% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.03% | 11.03% | 12.28% | 9.98% | 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 |
|---|---|---|---|---|---|---|
| CalPrivate Bank (this bank) | Risk-based | 13.61% | 13.61% | 14.86% | 11.52% | |
| Planters Bank & Trust Company | $2.71B | Risk-based | 15.29% | 15.29% | 16.23% | 11.19% |
| Tradition Capital Bank | $2.72B | Risk-based | 10.32% | 10.32% | 11.49% | 8.87% |
| Pinnacle Bank | $2.72B | Risk-based | 14.07% | 14.07% | 15.19% | 10.93% |
| Beverly Bank & Trust Company, N.A. | $2.69B | Risk-based | 11.43% | 11.43% | 12.10% | 9.91% |
| Home Federal Bank of Tennessee | $2.73B | CBLR | NA | NA | NA | 17.16% |
| Westfield Bank | $2.73B | Risk-based | 12.47% | 12.47% | 13.47% | 9.37% |
| Cornerstone Bank | $2.73B | CBLR | NA | NA | NA | 9.88% |
| INB, N.A. | $2.68B | Risk-based | 12.19% | 12.19% | 13.28% | 9.44% |
| State Bank of Southern Utah | $2.74B | CBLR | NA | NA | NA | 12.04% |
| Interaudi Bank | $2.68B | Risk-based | 18.12% | 18.12% | 18.85% | 10.02% |
| Peer 25th percentile | 11.81% | 11.81% | 12.69% | 9.55% | ||
| Peer median | 12.47% | 12.47% | 13.47% | 9.97% | ||
| Peer 75th percentile | 14.68% | 14.68% | 15.71% | 11.12% | ||
| This bank's percentile | 57 | 57 | 57 | 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/3545258/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.