Capital Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.36% (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: 6.36% (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 13.14% +6.64 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 | $75.2M | 75,187 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $572.4M | 572,364 | RCOAA223 |
| Recomputed ratio | 13.14% | numerator / denominator | |
| Filed ratio | 13.14% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.64 pp | $38.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.14% +5.14 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 | $75.2M | 75,187 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $572.4M | 572,364 | RCOAA223 |
| Recomputed ratio | 13.14% | numerator / denominator | |
| Filed ratio | 13.14% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.14 pp | $29.4M | capital that could be lost first |
Total risk-based capital ratio 14.36% +4.36 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 | $82.2M | 82,208 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $572.4M | 572,364 | RCOAA223 |
| Recomputed ratio | 14.36% | numerator / denominator | |
| Filed ratio | 14.36% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.36 pp | $25.0M | capital that could be lost first |
Tier 1 leverage ratio 10.81% +5.81 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 | $75.2M | 75,187 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $695.4M | 695,418 | RCOAA224 |
| Recomputed ratio | 10.81% | numerator / denominator | |
| Filed ratio | 10.81% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.81 pp | $40.4M | 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 | 16,000 | 16,000 | 16,000 | 16,000 | 16,000 | 16,000 | RCOAP742 |
| Retained earnings | 59,187 | 57,751 | 55,185 | 53,957 | 51,402 | 50,770 | RCOAKW00 |
| Accumulated other comprehensive income | (2,978) | (2,552) | (2,032) | (2,051) | (3,334) | (3,055) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 72,209 | 71,199 | 69,153 | 67,906 | 64,068 | 63,715 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,978 | 2,552 | 2,032 | 2,051 | 3,334 | 3,055 | P859 - P840 |
| Common equity Tier 1 capital | 75,187 | 73,751 | 71,185 | 69,957 | 67,402 | 66,770 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 75,187 | 73,751 | 71,185 | 69,957 | 67,402 | 66,770 | RCOA8274 |
| Tier 2 capital | 7,021 | 7,025 | 6,364 | 6,438 | 6,402 | 6,219 | RCOA5311 |
| Allowance includable in Tier 2 capital | 7,021 | 7,025 | 6,364 | 6,438 | 6,402 | 6,219 | RCOA5310 |
| Total capital | 82,208 | 80,776 | 77,549 | 76,395 | 73,804 | 72,989 | RCOA3792 |
| Total risk-weighted assets | 572,364 | 566,649 | 556,445 | 548,675 | 543,238 | 520,343 | RCOAA223 |
| Average total assets for the leverage ratio | 695,418 | 682,753 | 683,541 | 672,981 | 659,995 | 645,761 | 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 | $15.7M | $1.3M | 8.17% | 0.22% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $75.9M | $12.3M | 16.18% | 2.15% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $102.7M | $56.8M | 55.32% | 9.92% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $25.2M | $37.9M | 150.00% | 6.62% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $463.8M | $446.8M | 96.35% | 78.07% | RC-R Part II, item 4.d, 5.d |
| All other assets | $17.0M | $16.0M | 93.76% | 2.79% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.8M | $1.4M | 73.91% | 0.24% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $300 | 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 | $572.4M | ties to item 31 ($572.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $572.4M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $572.4M | 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 | 13.14% | 13.14% | 14.36% | 10.81% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.02% | 13.02% | 14.26% | 10.80% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.79% | 12.79% | 13.94% | 10.41% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.75% | 12.75% | 13.92% | 10.40% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.41% | 12.41% | 13.59% | 10.21% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.83% | 12.83% | 14.03% | 10.34% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.43% | 12.43% | 13.54% | 10.25% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.62% | 12.62% | 13.77% | 10.37% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.31% | 12.31% | 13.49% | 10.12% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.52% | 12.52% | 13.71% | 10.36% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.52% | 12.52% | 13.67% | 10.31% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.72% | 12.72% | 13.87% | 10.38% | 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 |
|---|---|---|---|---|---|---|
| Capital Bank (this bank) | Risk-based | 13.14% | 13.14% | 14.36% | 10.81% | |
| First State Bank of Livingston | $689.3M | CBLR | NA | NA | NA | 15.52% |
| Citizens Bank | $690.6M | Risk-based | 12.51% | 12.51% | 13.59% | 9.78% |
| Trupoint Bank | $690.8M | CBLR | NA | NA | NA | 10.60% |
| Bankorion | $688.1M | CBLR | NA | NA | NA | 9.73% |
| American Nation Bank | $691.5M | CBLR | NA | NA | NA | 10.31% |
| Premier Bank Minnesota | $691.5M | Risk-based | 12.43% | 12.43% | 13.68% | 10.02% |
| Citizens National Bank | $691.8M | Risk-based | 17.18% | 17.18% | 18.43% | 12.73% |
| Yampa Valley Bank | $687.6M | CBLR | NA | NA | NA | 9.39% |
| Hometown Bank | $691.9M | Risk-based | 10.75% | 10.75% | 11.99% | 8.28% |
| First National Bank and Trust Company of Ardmore | $686.7M | CBLR | NA | NA | NA | 10.07% |
| Peer 25th percentile | 12.01% | 12.01% | 13.19% | 9.74% | ||
| Peer median | 12.47% | 12.47% | 13.63% | 10.04% | ||
| Peer 75th percentile | 13.67% | 13.67% | 14.87% | 10.53% | ||
| This bank's percentile | 75 | 75 | 75 | 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/596156/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.