Capital City Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 11.43% (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: 11.43% (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 18.18% +11.68 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 | $446.4M | 446,422 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.46B | 2,456,159 | RCOAA223 |
| Recomputed ratio | 18.18% | numerator / denominator | |
| Filed ratio | 18.18% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +11.68 pp | $286.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 18.18% +10.18 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 | $446.4M | 446,422 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.46B | 2,456,159 | RCOAA223 |
| Recomputed ratio | 18.18% | numerator / denominator | |
| Filed ratio | 18.18% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +10.18 pp | $249.9M | capital that could be lost first |
Total risk-based capital ratio 19.43% +9.43 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 | $477.1M | 477,124 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.46B | 2,456,159 | RCOAA223 |
| Recomputed ratio | 19.43% | numerator / denominator | |
| Filed ratio | 19.43% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +9.43 pp | $231.5M | capital that could be lost first |
Tier 1 leverage ratio 10.29% +5.29 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 | $446.4M | 446,422 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $4.34B | 4,336,425 | RCOAA224 |
| Recomputed ratio | 10.29% | numerator / denominator | |
| Filed ratio | 10.29% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.29 pp | $229.6M | 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 | 169,032 | 169,032 | 169,032 | 169,032 | 169,032 | 169,032 | RCOAP742 |
| Retained earnings | 362,925 | 355,673 | 348,851 | 343,284 | 336,745 | 329,888 | RCOAKW00 |
| Accumulated other comprehensive income | (4,568) | (2,273) | (89) | (1,673) | (4,023) | (6,332) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 527,389 | 522,432 | 517,794 | 510,643 | 501,754 | 492,588 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (80,967) | (83,280) | (85,835) | (83,933) | (81,593) | (79,473) | P859 - P840 |
| Common equity Tier 1 capital | 446,422 | 439,152 | 431,959 | 426,710 | 420,161 | 413,115 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 446,422 | 439,152 | 431,959 | 426,710 | 420,161 | 413,115 | RCOA8274 |
| Tier 2 capital | 30,702 | 31,036 | 31,287 | 32,040 | 31,600 | 31,566 | RCOA5311 |
| Allowance includable in Tier 2 capital | 30,702 | 31,036 | 31,287 | 32,040 | 31,600 | 31,566 | RCOA5310 |
| Total capital | 477,124 | 470,188 | 463,246 | 458,750 | 451,761 | 444,681 | RCOA3792 |
| Total risk-weighted assets | 2,456,159 | 2,482,856 | 2,502,979 | 2,563,190 | 2,612,835 | 2,654,380 | RCOAA223 |
| Average total assets for the leverage ratio | 4,336,425 | 4,343,428 | 4,293,339 | 4,251,146 | 4,305,101 | 4,269,252 | 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 | $479.7M | $7.0M | 1.46% | 0.28% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.17B | $69.7M | 5.96% | 2.84% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $7.4M | $0 | 0.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $1.24B | $820.2M | 65.89% | 33.39% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $5.4M | $8.2M | 150.00% | 0.33% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.28B | $1.23B | 95.52% | 49.93% | RC-R Part II, item 4.d, 5.d |
| All other assets | $213.4M | $199.6M | 93.54% | 8.13% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $139.2M | $113.1M | 81.20% | 4.60% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $12.1M | NA | 0.49% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.44B | ties to item 31 ($2.44B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.46B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.46B | 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 | 18.18% | 18.18% | 19.43% | 10.29% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 17.69% | 17.69% | 18.94% | 10.11% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 17.26% | 17.26% | 18.51% | 10.06% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 16.65% | 16.65% | 17.90% | 10.04% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 16.08% | 16.08% | 17.29% | 9.76% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 15.56% | 15.56% | 16.75% | 9.68% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 15.24% | 15.24% | 16.42% | 9.67% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 14.80% | 14.80% | 16.00% | 9.61% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 14.51% | 14.51% | 15.70% | 9.35% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 14.07% | 14.07% | 15.25% | 9.39% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.89% | 13.89% | 15.09% | 9.31% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.72% | 13.72% | 14.90% | 9.06% | 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 |
|---|---|---|---|---|---|---|
| Capital City Bank (this bank) | Risk-based | 18.18% | 18.18% | 19.43% | 10.29% | |
| ChoiceOne Bank | $4.45B | Risk-based | 11.81% | 11.81% | 12.92% | 9.30% |
| Arrow Bank N.A. | $4.46B | Risk-based | 12.71% | 12.71% | 13.87% | 9.33% |
| HomeTrust Bank | $4.44B | Risk-based | 13.74% | 13.74% | 14.84% | 12.91% |
| Metro City Bank | $4.47B | Risk-based | 17.14% | 17.14% | 18.04% | 11.08% |
| American Business Bank | $4.42B | Risk-based | 12.35% | 12.35% | 13.24% | 11.01% |
| First Business Bank | $4.41B | Risk-based | 11.17% | 11.17% | 12.18% | 10.37% |
| First Federal Bank | $4.49B | Risk-based | 20.56% | 20.56% | 21.06% | 10.83% |
| Sunwest Bank | $4.41B | Risk-based | 10.40% | 10.40% | 11.66% | 9.71% |
| Texas Exchange Bank | $4.49B | Risk-based | 30.06% | 30.06% | 30.82% | 12.44% |
| First State Community Bank | $4.51B | Risk-based | 14.35% | 14.35% | 15.43% | 11.68% |
| Peer 25th percentile | 11.94% | 11.94% | 13.00% | 9.87% | ||
| Peer median | 13.22% | 13.23% | 14.35% | 10.92% | ||
| Peer 75th percentile | 16.44% | 16.44% | 17.39% | 11.53% | ||
| This bank's percentile | 80 | 80 | 80 | 30 |
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/876634/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.