Capitol Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.01% (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: 9.01% (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 15.76% +9.26 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 | $72.1M | 72,080 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $457.5M | 457,451 | RCOAA223 |
| Recomputed ratio | 15.76% | numerator / denominator | |
| Filed ratio | 15.76% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.26 pp | $42.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.76% +7.76 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 | $72.1M | 72,080 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $457.5M | 457,451 | RCOAA223 |
| Recomputed ratio | 15.76% | numerator / denominator | |
| Filed ratio | 15.76% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.76 pp | $35.5M | capital that could be lost first |
Total risk-based capital ratio 17.01% +7.01 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 | $77.8M | 77,806 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $457.5M | 457,451 | RCOAA223 |
| Recomputed ratio | 17.01% | numerator / denominator | |
| Filed ratio | 17.01% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.01 pp | $32.1M | capital that could be lost first |
Tier 1 leverage ratio 12.42% +7.42 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 | $72.1M | 72,080 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $580.1M | 580,145 | RCOAA224 |
| Recomputed ratio | 12.42% | numerator / denominator | |
| Filed ratio | 12.42% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.42 pp | $43.1M | 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 | 7,900 | 7,900 | 7,900 | 7,900 | 7,900 | 7,900 | RCOAP742 |
| Retained earnings | 64,180 | 63,353 | 61,652 | 60,994 | 59,499 | 58,631 | RCOAKW00 |
| Accumulated other comprehensive income | (2,639) | (2,594) | (2,025) | (2,316) | (2,996) | (3,494) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 69,441 | 68,659 | 67,527 | 66,578 | 64,403 | 63,037 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,639 | 2,594 | 2,025 | 2,316 | 2,996 | 3,494 | P859 - P840 |
| Common equity Tier 1 capital | 72,080 | 71,253 | 69,552 | 68,894 | 67,399 | 66,531 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 72,080 | 71,253 | 69,552 | 68,894 | 67,399 | 66,531 | RCOA8274 |
| Tier 2 capital | 5,726 | 5,913 | 6,248 | 6,144 | 6,137 | 6,070 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,726 | 5,913 | 6,248 | 6,144 | 6,137 | 6,070 | RCOA5310 |
| Total capital | 77,806 | 77,166 | 75,800 | 75,038 | 73,536 | 72,601 | RCOA3792 |
| Total risk-weighted assets | 457,451 | 472,475 | 499,647 | 491,316 | 497,223 | 515,831 | RCOAA223 |
| Average total assets for the leverage ratio | 580,145 | 626,238 | 608,275 | 604,572 | 634,641 | 652,527 | 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 | $22.8M | $674K | 2.96% | 0.15% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $94.8M | $19.3M | 20.30% | 4.20% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $273K | $55K | 20.00% | 0.01% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $105.6M | $55.9M | 52.88% | 12.19% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $30K | $45K | 150.00% | 0.01% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $325.4M | $325.0M | 99.88% | 70.93% | RC-R Part II, item 4.d, 5.d |
| All other assets | $26.5M | $25.5M | 96.11% | 5.57% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $761K | $9.5M | 1250.00% | 2.08% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $20.5M | $20.5M | 100.00% | 4.48% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.7M | $1.7M | 100.00% | 0.38% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $2K | 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 | $458.2M | ties to item 31 ($458.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $458.2M | RCONB704 |
| Less: excess allowance for credit losses | $738K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $457.5M | 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 | 15.76% | 15.76% | 17.01% | 12.42% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.08% | 15.08% | 16.33% | 11.38% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.92% | 13.92% | 15.17% | 11.43% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.02% | 14.02% | 15.27% | 11.40% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.56% | 13.56% | 14.79% | 10.62% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.90% | 12.90% | 14.07% | 10.20% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.66% | 12.66% | 13.81% | 10.58% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.97% | 11.97% | 13.15% | 10.70% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.92% | 11.92% | 13.17% | 10.71% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.03% | 12.03% | 13.28% | 10.28% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.81% | 11.81% | 13.06% | 10.69% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.92% | 11.92% | 13.09% | 10.58% | 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 |
|---|---|---|---|---|---|---|
| Capitol Bank (this bank) | Risk-based | 15.76% | 15.76% | 17.01% | 12.42% | |
| South Ottumwa Savings Bank | $565.4M | Risk-based | 18.33% | 18.33% | 19.24% | 13.00% |
| Peoples Bank of Kentucky, Inc. | $564.9M | Risk-based | 16.27% | 16.27% | 17.54% | 11.13% |
| Farmers and Merchants Bank | $565.8M | CBLR | NA | NA | NA | 14.19% |
| First Commercial Bank, N.A. | $565.9M | Risk-based | 19.05% | 19.05% | 20.30% | 10.25% |
| Redwood Capital Bank | $566.0M | Risk-based | 14.41% | 14.41% | 15.66% | 10.96% |
| Jefferson Security Bank | $566.1M | Risk-based | 12.97% | 12.97% | 14.22% | 8.39% |
| Century Bank | $566.2M | CBLR | NA | NA | NA | 10.12% |
| Citizens Bank & Trust Company | $566.4M | CBLR | NA | NA | NA | 11.78% |
| Farmers Bank of Northern Missouri | $566.5M | CBLR | NA | NA | NA | 12.71% |
| Peoples Bank & Trust | $563.3M | CBLR | NA | NA | NA | 10.81% |
| Peer 25th percentile | 14.41% | 14.41% | 15.66% | 10.39% | ||
| Peer median | 16.27% | 16.27% | 17.54% | 11.05% | ||
| Peer 75th percentile | 18.33% | 18.33% | 19.24% | 12.48% | ||
| This bank's percentile | 40 | 40 | 40 | 70 |
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/2339599/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.