Carrollton Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.18% (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: 3.18% (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 9.93% +3.43 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 | $307.9M | 307,899 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.10B | 3,100,314 | RCOAA223 |
| Recomputed ratio | 9.93% | numerator / denominator | |
| Filed ratio | 9.93% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.43 pp | $106.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 9.93% +1.93 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 | $307.9M | 307,899 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.10B | 3,100,314 | RCOAA223 |
| Recomputed ratio | 9.93% | numerator / denominator | |
| Filed ratio | 9.93% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +1.93 pp | $59.9M | capital that could be lost first |
Total risk-based capital ratio 11.18% +1.18 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 | $346.7M | 346,661 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.10B | 3,100,314 | RCOAA223 |
| Recomputed ratio | 11.18% | numerator / denominator | |
| Filed ratio | 11.18% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.18 pp | $36.6M | capital that could be lost first |
Tier 1 leverage ratio 8.01% +3.01 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 | $307.9M | 307,899 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.85B | 3,845,610 | RCOAA224 |
| Recomputed ratio | 8.01% | numerator / denominator | |
| Filed ratio | 8.01% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.01 pp | $115.6M | 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 | 87,119 | 87,119 | 87,119 | 87,119 | 87,119 | 87,119 | RCOAP742 |
| Retained earnings | 221,232 | 212,410 | 211,643 | 209,781 | 208,775 | 203,075 | RCOAKW00 |
| Accumulated other comprehensive income | (7,114) | (7,419) | (6,152) | (6,844) | (8,282) | (9,394) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 301,237 | 292,110 | 292,610 | 290,056 | 287,612 | 280,800 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,662 | 6,967 | 5,700 | 6,392 | 7,830 | 8,942 | P859 - P840 |
| Common equity Tier 1 capital | 307,899 | 299,077 | 298,310 | 296,448 | 295,442 | 289,742 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 307,899 | 299,077 | 298,310 | 296,448 | 295,442 | 289,742 | RCOA8274 |
| Tier 2 capital | 38,762 | 38,159 | 37,511 | 35,601 | 34,443 | 36,460 | RCOA5311 |
| Allowance includable in Tier 2 capital | 38,762 | 38,159 | 37,511 | 35,601 | 34,443 | 36,460 | RCOA5310 |
| Total capital | 346,661 | 337,236 | 335,821 | 332,049 | 329,885 | 326,202 | RCOA3792 |
| Total risk-weighted assets | 3,100,314 | 3,068,386 | 3,042,121 | 2,931,006 | 2,939,087 | 2,931,537 | RCOAA223 |
| Average total assets for the leverage ratio | 3,845,610 | 3,802,986 | 3,812,469 | 3,767,057 | 3,645,621 | 3,535,412 | 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 | $550.0M | $6.1M | 1.11% | 0.20% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $279.5M | $52.0M | 18.60% | 1.68% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $13.5M | $2.7M | 20.00% | 0.09% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $647.9M | $323.9M | 50.00% | 10.45% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $4.5M | $4.5M | 100.00% | 0.15% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.32B | $2.30B | 99.14% | 74.25% | RC-R Part II, item 4.d, 5.d |
| All other assets | $111.3M | $109.8M | 98.69% | 3.54% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $299.4M | $299.4M | 100.00% | 9.65% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | -$200 | 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 | $3.10B | ties to item 31 ($3.10B) |
|---|---|---|
| Risk-weighted assets before deductions | $3.10B | RCONB704 |
| Less: excess allowance for credit losses | $662K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $3.10B | 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 | 9.93% | 9.93% | 11.18% | 8.01% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 9.75% | 9.75% | 10.99% | 7.86% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 9.81% | 9.81% | 11.04% | 7.82% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 10.11% | 10.11% | 11.33% | 7.87% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 10.05% | 10.05% | 11.22% | 8.10% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 9.88% | 9.88% | 11.13% | 8.20% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 9.48% | 9.48% | 10.71% | 8.00% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 9.38% | 9.38% | 10.61% | 8.12% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 9.39% | 9.39% | 10.61% | 8.11% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 9.27% | 9.27% | 10.48% | 8.09% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 9.28% | 9.28% | 10.51% | 7.89% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 9.50% | 9.50% | 10.73% | 7.94% | 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 |
|---|---|---|---|---|---|---|
| Carrollton Bank (this bank) | Risk-based | 9.93% | 9.93% | 11.18% | 8.01% | |
| First Guaranty Bank | $3.89B | Risk-based | 14.95% | 14.95% | 16.21% | 7.09% |
| Security Bank of Kansas City | $3.86B | CBLR | NA | NA | NA | 12.77% |
| Gulf Coast Bank and Trust Company | $3.86B | Risk-based | 11.85% | 11.85% | 13.10% | 9.07% |
| Bank of Marin | $3.86B | Risk-based | 13.69% | 13.69% | 14.61% | 9.16% |
| Investar Bank, N.A. | $3.85B | Risk-based | 13.51% | 13.51% | 14.68% | 10.75% |
| Sumitomo Mitsui Trust Bank (U.S.A.) Limited | $3.92B | Risk-based | 45.25% | 45.25% | 45.25% | 12.72% |
| Capital Bank, N.A. | $3.84B | Risk-based | 11.34% | 11.34% | 12.60% | 8.97% |
| Independence Bank of Kentucky | $3.83B | CBLR | NA | NA | NA | 9.35% |
| Bravera Bank | $3.81B | Risk-based | 11.74% | 11.74% | 12.83% | 9.73% |
| Peer 25th percentile | 11.79% | 11.79% | 12.97% | 9.07% | ||
| Peer median | 13.51% | 13.51% | 14.61% | 9.35% | ||
| Peer 75th percentile | 14.32% | 14.32% | 15.45% | 10.75% | ||
| This bank's percentile | 0 | 0 | 0 | 11 |
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/1001648/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.