Castle Rock Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 19.61% (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: 19.61% (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 26.35% +19.85 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 | $41.6M | 41,594 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $157.9M | 157,868 | RCOAA223 |
| Recomputed ratio | 26.35% | numerator / denominator | |
| Filed ratio | 26.35% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +19.85 pp | $31.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 26.35% +18.35 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 | $41.6M | 41,594 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $157.9M | 157,868 | RCOAA223 |
| Recomputed ratio | 26.35% | numerator / denominator | |
| Filed ratio | 26.35% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +18.35 pp | $29.0M | capital that could be lost first |
Total risk-based capital ratio 27.61% +17.61 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 | $43.6M | 43,587 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $157.9M | 157,868 | RCOAA223 |
| Recomputed ratio | 27.61% | numerator / denominator | |
| Filed ratio | 27.61% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +17.61 pp | $27.8M | capital that could be lost first |
Tier 1 leverage ratio 14.19% +9.19 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 | $41.6M | 41,594 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $293.2M | 293,153 | RCOAA224 |
| Recomputed ratio | 14.19% | numerator / denominator | |
| Filed ratio | 14.19% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +9.19 pp | $26.9M | 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 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | RCOAP742 |
| Retained earnings | 31,594 | 30,710 | 30,316 | 29,923 | 29,091 | 28,491 | RCOAKW00 |
| Accumulated other comprehensive income | (741) | (815) | (243) | (364) | (599) | (911) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 40,853 | 39,895 | 40,073 | 39,559 | 38,492 | 37,580 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 741 | 815 | 243 | 364 | 599 | 911 | P859 - P840 |
| Common equity Tier 1 capital | 41,594 | 40,710 | 40,316 | 39,923 | 39,091 | 38,491 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 41,594 | 40,710 | 40,316 | 39,923 | 39,091 | 38,491 | RCOA8274 |
| Tier 2 capital | 1,993 | 1,990 | 1,939 | 1,905 | 1,875 | 1,935 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,993 | 1,990 | 1,939 | 1,905 | 1,875 | 1,935 | RCOA5310 |
| Total capital | 43,587 | 42,700 | 42,255 | 41,828 | 40,966 | 40,426 | RCOA3792 |
| Total risk-weighted assets | 157,868 | 157,767 | 153,783 | 150,793 | 148,381 | 153,351 | RCOAA223 |
| Average total assets for the leverage ratio | 293,153 | 291,465 | 288,173 | 280,979 | 274,573 | 272,404 | 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 | $9.0M | $315K | 3.51% | 0.20% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $152.4M | $40.4M | 26.50% | 25.33% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $47.9M | $27.5M | 57.44% | 17.26% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $15K | $22K | 150.00% | 0.01% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $83.6M | $83.6M | 100.00% | 52.44% | RC-R Part II, item 4.d, 5.d |
| All other assets | $4.9M | $4.9M | 100.00% | 3.07% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.7M | $2.7M | 100.00% | 1.68% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $600 | 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 | $159.5M | ties to item 31 ($159.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $159.5M | RCONB704 |
| Less: excess allowance for credit losses | $1.6M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $157.9M | 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 | 26.35% | 26.35% | 27.61% | 14.19% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 25.80% | 25.80% | 27.07% | 13.97% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 26.22% | 26.22% | 27.48% | 13.99% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 26.48% | 26.48% | 27.74% | 14.21% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 26.34% | 26.34% | 27.61% | 14.24% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 25.10% | 25.10% | 26.36% | 14.13% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 24.41% | 24.41% | 25.67% | 14.11% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 24.17% | 24.17% | 25.43% | 14.19% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 23.37% | 23.37% | 24.63% | 14.01% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 23.29% | 23.29% | 24.55% | 13.76% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 22.46% | 22.46% | 23.72% | 13.38% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 22.25% | 22.25% | 23.51% | 15.57% | 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 |
|---|---|---|---|---|---|---|
| Castle Rock Bank (this bank) | Risk-based | 26.35% | 26.35% | 27.61% | 14.19% | |
| First Federal Savings and Loan Association of Newark | $293.5M | CBLR | NA | NA | NA | 14.18% |
| The First National Bank of Milaca | $293.2M | Risk-based | 17.35% | 17.35% | 18.48% | 10.77% |
| Community 1st Bank Las Vegas | $293.9M | Risk-based | 21.93% | 21.93% | 22.98% | 10.02% |
| Security First Bank of North Dakota | $293.2M | CBLR | NA | NA | NA | 12.99% |
| Three Rivers Bank of Montana | $293.1M | CBLR | NA | NA | NA | 11.72% |
| First National Bank & Trust, Elk City, Oklahoma | $294.0M | CBLR | NA | NA | NA | 13.09% |
| McClain Bank | $294.0M | CBLR | NA | NA | NA | 9.52% |
| Partners Bank | $294.2M | CBLR | NA | NA | NA | 14.70% |
| Peer 25th percentile | 18.50% | 18.50% | 19.61% | 10.58% | ||
| Peer median | 19.64% | 19.64% | 20.73% | 12.36% | ||
| Peer 75th percentile | 20.79% | 20.79% | 21.86% | 13.36% | ||
| This bank's percentile | 100 | 100 | 100 | 88 |
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/152253/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.