Capra Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.41% (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: 8.41% (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 15.62% +9.12 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 | $112.7M | 112,744 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $721.7M | 721,690 | RCOAA223 |
| Recomputed ratio | 15.62% | numerator / denominator | |
| Filed ratio | 15.62% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.12 pp | $65.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.62% +7.62 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 | $112.7M | 112,744 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $721.7M | 721,690 | RCOAA223 |
| Recomputed ratio | 15.62% | numerator / denominator | |
| Filed ratio | 15.62% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.62 pp | $55.0M | capital that could be lost first |
Total risk-based capital ratio 16.41% +6.41 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 | $118.4M | 118,431 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $721.7M | 721,690 | RCOAA223 |
| Recomputed ratio | 16.41% | numerator / denominator | |
| Filed ratio | 16.41% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.41 pp | $46.3M | capital that could be lost first |
Tier 1 leverage ratio 8.91% +3.91 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 | $112.7M | 112,744 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.27B | 1,265,900 | RCOAA224 |
| Recomputed ratio | 8.91% | numerator / denominator | |
| Filed ratio | 8.91% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.91 pp | $49.4M | 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 | 110,778 | 82,720 | 68,082 | 67,874 | 41,307 | 41,190 | RCOAP742 |
| Retained earnings | 7,265 | 4,610 | 2,059 | 624 | 164 | (402) | RCOAKW00 |
| Accumulated other comprehensive income | (4,344) | (5,954) | 452 | (895) | (1,770) | (902) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 113,699 | 81,376 | 70,593 | 67,603 | 39,701 | 39,886 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (955) | 632 | (5,799) | (4,477) | (3,628) | (4,611) | P859 - P840 |
| Common equity Tier 1 capital | 112,744 | 82,008 | 64,794 | 63,126 | 36,073 | 35,275 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 26,450 | 26,450 | RCOAP865 |
| Tier 1 capital | 112,744 | 82,008 | 64,794 | 63,126 | 62,523 | 61,725 | RCOA8274 |
| Tier 2 capital | 5,687 | 5,015 | 4,884 | 4,075 | 3,601 | 3,089 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,687 | 5,015 | 4,884 | 4,075 | 3,601 | 3,089 | RCOA5310 |
| Total capital | 118,431 | 87,023 | 69,678 | 67,201 | 66,124 | 64,814 | RCOA3792 |
| Total risk-weighted assets | 721,690 | 631,372 | 582,244 | 521,367 | 446,488 | 395,036 | RCOAA223 |
| Average total assets for the leverage ratio | 1,265,900 | 1,158,812 | 1,021,703 | 842,467 | 711,150 | 602,201 | 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 | $24.8M | $3.9M | 15.76% | 0.54% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $446.7M | $61.3M | 13.73% | 8.50% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $54.2M | $31.8M | 58.75% | 4.41% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $1.4M | $2.1M | 150.00% | 0.29% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $508.4M | $508.4M | 100.00% | 70.44% | RC-R Part II, item 4.d, 5.d |
| All other assets | $40.4M | $35.7M | 88.42% | 4.95% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $14.9M | $14.9M | 100.00% | 2.07% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.9M | $0 | 0.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $63.5M | NA | 8.79% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $658.2M | ties to item 31 ($658.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $721.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $721.7M | 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 | 15.62% | 15.62% | 16.41% | 8.91% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.99% | 12.99% | 13.78% | 7.08% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.13% | 11.13% | 11.97% | 6.34% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.11% | 12.11% | 12.89% | 7.49% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 8.08% | 14.00% | 14.81% | 8.79% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 8.93% | 15.63% | 16.41% | 10.25% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 10.43% | 18.68% | 19.42% | 11.93% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 15.04% | 26.69% | 27.44% | 14.13% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 17.46% | 32.50% | 33.28% | 17.41% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 23.27% | 43.02% | 43.88% | 22.71% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 24.36% | 24.36% | 25.55% | 10.13% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 46.99% | 46.99% | 47.76% | 17.24% | 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 |
|---|---|---|---|---|---|---|
| Capra Bank (this bank) | Risk-based | 15.62% | 15.62% | 16.41% | 8.91% | |
| Studio Bank | $1.34B | Risk-based | 11.45% | 11.45% | 12.63% | 9.49% |
| Bank Midwest | $1.35B | Risk-based | 11.95% | 11.95% | 13.12% | 10.16% |
| The Yellowstone Bank | $1.34B | CBLR | NA | NA | NA | 12.33% |
| Townbridge Bank | $1.35B | Risk-based | 11.20% | 13.62% | 14.55% | 8.83% |
| First State Bank | $1.35B | CBLR | NA | NA | NA | 10.01% |
| Sabine State Bank and Trust Company | $1.35B | Risk-based | 10.54% | 10.54% | 11.36% | 8.28% |
| First Oklahoma Bank | $1.34B | CBLR | NA | NA | NA | 9.07% |
| Inbank | $1.35B | Risk-based | 14.15% | 14.15% | 15.40% | 11.46% |
| Coastal Carolina National Bank | $1.35B | Risk-based | 12.99% | 12.99% | 14.21% | 9.38% |
| Blue SKY Bank | $1.35B | CBLR | NA | NA | NA | 9.08% |
| Peer 25th percentile | 11.26% | 11.58% | 12.76% | 9.07% | ||
| Peer median | 11.70% | 12.47% | 13.67% | 9.44% | ||
| Peer 75th percentile | 12.73% | 13.46% | 14.46% | 10.12% | ||
| 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/1013744/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.