Campbell & Fetter Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 14.90% (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: 14.90% (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 21.67% +15.17 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 | $35.5M | 35,517 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $163.9M | 163,902 | RCOAA223 |
| Recomputed ratio | 21.67% | numerator / denominator | |
| Filed ratio | 21.67% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +15.17 pp | $24.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 21.67% +13.67 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 | $35.5M | 35,517 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $163.9M | 163,902 | RCOAA223 |
| Recomputed ratio | 21.67% | numerator / denominator | |
| Filed ratio | 21.67% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +13.67 pp | $22.4M | capital that could be lost first |
Total risk-based capital ratio 22.90% +12.90 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 | $37.5M | 37,533 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $163.9M | 163,902 | RCOAA223 |
| Recomputed ratio | 22.90% | numerator / denominator | |
| Filed ratio | 22.90% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +12.90 pp | $21.1M | capital that could be lost first |
Tier 1 leverage ratio 10.00% +5.00 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 | $35.5M | 35,517 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $355.0M | 355,044 | RCOAA224 |
| Recomputed ratio | 10.00% | numerator / denominator | |
| Filed ratio | 10.00% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.00 pp | $17.8M | 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 | 6,501 | 6,501 | 6,501 | 6,501 | 6,501 | 6,501 | RCOAP742 |
| Retained earnings | 29,016 | 29,048 | 28,977 | 29,062 | 28,789 | 28,509 | RCOAKW00 |
| Accumulated other comprehensive income | 336 | 319 | (59) | (467) | (824) | (1,218) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 35,853 | 35,868 | 35,419 | 35,096 | 34,466 | 33,792 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (336) | (319) | 59 | 467 | 824 | 1,218 | P859 - P840 |
| Common equity Tier 1 capital | 35,517 | 35,549 | 35,478 | 35,563 | 35,290 | 35,010 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 35,517 | 35,549 | 35,478 | 35,563 | 35,290 | 35,010 | RCOA8274 |
| Tier 2 capital | 2,016 | 1,971 | 1,934 | 1,843 | 1,854 | 1,783 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,016 | 1,971 | 1,934 | 1,843 | 1,854 | 1,783 | RCOA5310 |
| Total capital | 37,533 | 37,520 | 37,412 | 37,406 | 37,144 | 36,793 | RCOA3792 |
| Total risk-weighted assets | 163,902 | 161,723 | 162,052 | 155,286 | 157,743 | 157,675 | RCOAA223 |
| Average total assets for the leverage ratio | 355,044 | 350,283 | 351,139 | 348,826 | 346,175 | 346,402 | 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 | $37.9M | $277K | 0.73% | 0.17% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $61.7M | $2.1M | 3.45% | 1.30% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $28.7M | $0 | 0.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $202.1M | $102.8M | 50.85% | 62.69% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $36.3M | $36.3M | 100.00% | 22.16% | RC-R Part II, item 4.d, 5.d |
| All other assets | $19.9M | $18.3M | 91.92% | 11.15% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $8.2M | $4.2M | 50.51% | 2.53% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $700 | 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 | $163.9M | ties to item 31 ($163.9M) |
|---|---|---|
| Risk-weighted assets before deductions | $163.9M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $163.9M | 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 | 21.67% | 21.67% | 22.90% | 10.00% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 21.98% | 21.98% | 23.20% | 10.15% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 21.89% | 21.89% | 23.09% | 10.10% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 22.90% | 22.90% | 24.09% | 10.20% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 22.37% | 22.37% | 23.55% | 10.19% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 22.20% | 22.20% | 23.33% | 10.11% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 22.60% | 22.60% | 23.69% | 10.11% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 22.94% | 22.94% | 24.08% | 10.07% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 23.43% | 23.43% | 24.57% | 10.09% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 24.09% | 24.09% | 25.24% | 9.90% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 23.86% | 23.86% | 25.00% | 9.90% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 24.92% | 24.92% | 26.10% | 9.94% | 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 |
|---|---|---|---|---|---|---|
| Campbell & Fetter Bank (this bank) | Risk-based | 21.67% | 21.67% | 22.90% | 10.00% | |
| Harvest Bank | $355.1M | Risk-based | 13.37% | 13.37% | 14.59% | 9.15% |
| Great Southern Bank | $355.1M | Risk-based | 20.51% | 20.51% | 21.09% | 9.49% |
| Sooner State Bank | $354.6M | CBLR | NA | NA | NA | 12.75% |
| Ireland Bank | $355.4M | Risk-based | 18.07% | 18.07% | 19.19% | 11.50% |
| F&M Bank | $354.6M | CBLR | NA | NA | NA | 11.76% |
| Osb Community Bank | $355.6M | Risk-based | 15.79% | 15.79% | 17.04% | 11.64% |
| Interamerican Bank, a Federal Savings Bank | $355.7M | Risk-based | 17.88% | 17.88% | 19.14% | 11.21% |
| Frazer Bank | $354.3M | Risk-based | 17.05% | 17.05% | 18.30% | 11.21% |
| Union Bank & Trust Company | $355.8M | CBLR | NA | NA | NA | 10.19% |
| The Hocking Valley Bank | $354.0M | CBLR | NA | NA | NA | 11.44% |
| Peer 25th percentile | 16.11% | 16.11% | 17.36% | 10.44% | ||
| Peer median | 17.47% | 17.47% | 18.72% | 11.33% | ||
| Peer 75th percentile | 18.02% | 18.02% | 19.18% | 11.60% | ||
| This bank's percentile | 100 | 100 | 100 | 20 |
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/398248/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.