Canton Co-Operative Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 14.96% (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: 14.96% (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 22.29% +15.79 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 | $23.5M | 23,541 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $105.6M | 105,595 | RCOAA223 |
| Recomputed ratio | 22.29% | numerator / denominator | |
| Filed ratio | 22.29% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +15.79 pp | $16.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 22.29% +14.29 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 | $23.5M | 23,541 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $105.6M | 105,595 | RCOAA223 |
| Recomputed ratio | 22.29% | numerator / denominator | |
| Filed ratio | 22.29% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +14.29 pp | $15.1M | capital that could be lost first |
Total risk-based capital ratio 22.96% +12.96 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 | $24.2M | 24,243 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $105.6M | 105,595 | RCOAA223 |
| Recomputed ratio | 22.96% | numerator / denominator | |
| Filed ratio | 22.96% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +12.96 pp | $13.7M | capital that could be lost first |
Tier 1 leverage ratio 15.25% +10.25 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 | $23.5M | 23,541 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $154.3M | 154,345 | RCOAA224 |
| Recomputed ratio | 15.25% | numerator / denominator | |
| Filed ratio | 15.25% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +10.25 pp | $15.8M | 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 | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 23,541 | 23,356 | 23,245 | 23,076 | 22,957 | 22,911 | RCOAKW00 |
| Accumulated other comprehensive income | (2,015) | (2,125) | (1,927) | (2,120) | (2,720) | (2,711) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 21,526 | 21,231 | 21,318 | 20,956 | 20,237 | 20,200 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,015 | 2,125 | 1,927 | 2,120 | 2,720 | 2,711 | P859 - P840 |
| Common equity Tier 1 capital | 23,541 | 23,356 | 23,245 | 23,076 | 22,957 | 22,911 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 23,541 | 23,356 | 23,245 | 23,076 | 22,957 | 22,911 | RCOA8274 |
| Tier 2 capital | 702 | 652 | 647 | 647 | 647 | 622 | RCOA5311 |
| Allowance includable in Tier 2 capital | 702 | 652 | 647 | 647 | 647 | 622 | RCOA5310 |
| Total capital | 24,243 | 24,008 | 23,892 | 23,723 | 23,604 | 23,533 | RCOA3792 |
| Total risk-weighted assets | 105,595 | 103,397 | 103,018 | 102,368 | 98,251 | 96,184 | RCOAA223 |
| Average total assets for the leverage ratio | 154,345 | 155,334 | 159,833 | 159,402 | 160,413 | 159,252 | 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 | $9.8M | $1.7M | 17.78% | 1.65% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $34.7M | $7.9M | 22.80% | 7.48% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $83.7M | $53.7M | 64.07% | 50.82% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $24.3M | $24.3M | 100.00% | 23.05% | RC-R Part II, item 4.d, 5.d |
| All other assets | $5.7M | $4.8M | 84.46% | 4.55% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $54K | $675K | 1250.00% | 0.64% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $12.5M | $12.5M | 100.00% | 11.80% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $105.6M | ties to item 31 ($105.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $105.6M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $105.6M | 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 | 22.29% | 22.29% | 22.96% | 15.25% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 22.59% | 22.59% | 23.22% | 15.04% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 22.56% | 22.56% | 23.19% | 14.54% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 22.54% | 22.54% | 23.17% | 14.48% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 23.37% | 23.37% | 24.02% | 14.31% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 23.82% | 23.82% | 24.47% | 14.39% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 24.35% | 24.35% | 25.01% | 14.56% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 25.34% | 25.34% | 26.03% | 14.44% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 24.04% | 24.04% | 24.70% | 14.63% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 23.59% | 23.59% | 24.21% | 14.73% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 22.91% | 22.91% | 23.51% | 14.76% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 23.74% | 23.74% | 24.37% | 14.58% | 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 |
|---|---|---|---|---|---|---|
| Canton Co-Operative Bank (this bank) | Risk-based | 22.29% | 22.29% | 22.96% | 15.25% | |
| The First State Bank | $154.6M | CBLR | NA | NA | NA | 16.34% |
| Security Bank of the Ozarks | $155.1M | Risk-based | 10.40% | 10.40% | 11.40% | 7.62% |
| Graham Savings and Loan, SSB | $155.1M | Risk-based | 20.66% | 20.66% | 21.91% | 11.73% |
| Fowler State Bank | $154.5M | CBLR | NA | NA | NA | 13.23% |
| PNB Community Bank | $155.2M | CBLR | NA | NA | NA | 10.32% |
| Prime Security Bank | $154.5M | Risk-based | 10.86% | 10.86% | 11.57% | 8.71% |
| The Bank of Protection | $154.4M | CBLR | NA | NA | NA | 11.81% |
| Spratt Savings Bank | $154.4M | CBLR | NA | NA | NA | 20.38% |
| Del Norte Bank, a Savings and Loan Association | $155.3M | CBLR | NA | NA | NA | 10.69% |
| Peer 25th percentile | 10.63% | 10.63% | 11.49% | 10.32% | ||
| Peer median | 10.86% | 10.86% | 11.57% | 11.73% | ||
| Peer 75th percentile | 15.76% | 15.76% | 16.74% | 13.23% | ||
| This bank's percentile | 100 | 100 | 100 | 78 |
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/379470/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.