Ccfbank N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.19% (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: 6.19% (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 12.94% +6.44 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 | $197.9M | 197,910 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.53B | 1,529,691 | RCOAA223 |
| Recomputed ratio | 12.94% | numerator / denominator | |
| Filed ratio | 12.94% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.44 pp | $98.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.94% +4.94 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 | $197.9M | 197,910 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.53B | 1,529,691 | RCOAA223 |
| Recomputed ratio | 12.94% | numerator / denominator | |
| Filed ratio | 12.94% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.94 pp | $75.5M | capital that could be lost first |
Total risk-based capital ratio 14.19% +4.19 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 | $217.1M | 217,120 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.53B | 1,529,691 | RCOAA223 |
| Recomputed ratio | 14.19% | numerator / denominator | |
| Filed ratio | 14.19% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.19 pp | $64.2M | capital that could be lost first |
Tier 1 leverage ratio 11.21% +6.21 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 | $197.9M | 197,910 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.77B | 1,765,046 | RCOAA224 |
| Recomputed ratio | 11.21% | numerator / denominator | |
| Filed ratio | 11.21% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.21 pp | $109.7M | 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 | 190,876 | 190,868 | 190,864 | 190,854 | 190,820 | 190,786 | RCOAP742 |
| Retained earnings | 38,701 | 39,212 | 35,668 | 50,282 | 49,798 | 49,063 | RCOAKW00 |
| Accumulated other comprehensive income | (12,023) | (12,238) | (12,467) | (13,227) | (14,884) | (14,965) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 217,554 | 217,842 | 214,065 | 227,909 | 225,734 | 224,884 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (19,644) | (19,542) | (19,426) | (18,779) | (17,235) | (17,333) | P859 - P840 |
| Common equity Tier 1 capital | 197,910 | 198,300 | 194,639 | 209,130 | 208,499 | 207,551 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 197,910 | 198,300 | 194,639 | 209,130 | 208,499 | 207,551 | RCOA8274 |
| Tier 2 capital | 19,210 | 18,904 | 18,259 | 17,945 | 18,124 | 18,124 | RCOA5311 |
| Allowance includable in Tier 2 capital | 19,210 | 18,904 | 18,259 | 17,945 | 18,124 | 18,124 | RCOA5310 |
| Total capital | 217,120 | 217,204 | 212,898 | 227,075 | 226,623 | 225,675 | RCOA3792 |
| Total risk-weighted assets | 1,529,691 | 1,507,789 | 1,456,154 | 1,430,953 | 1,446,107 | 1,447,439 | RCOAA223 |
| Average total assets for the leverage ratio | 1,765,046 | 1,751,572 | 1,717,769 | 1,708,888 | 1,705,579 | 1,725,506 | 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 | $119.8M | $4.0M | 3.37% | 0.26% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $225.2M | $79.9M | 35.49% | 5.20% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $2.0M | $400K | 20.00% | 0.03% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $241.8M | $137.4M | 56.80% | 8.94% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $16.6M | $24.9M | 150.00% | 1.62% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $22.6M | $29.0M | 128.33% | 1.89% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.10B | $1.08B | 97.69% | 70.11% | RC-R Part II, item 4.d, 5.d |
| All other assets | $90.1M | $84.9M | 94.21% | 5.52% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $78.0M | $77.3M | 99.13% | 5.03% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $21.6M | NA | 1.40% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.52B | ties to item 31 ($1.52B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.54B | RCONB704 |
| Less: excess allowance for credit losses | $7.1M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.53B | 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 | 12.94% | 12.94% | 14.19% | 11.21% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.15% | 13.15% | 14.41% | 11.32% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.37% | 13.37% | 14.62% | 11.33% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 14.61% | 14.61% | 15.87% | 12.24% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 14.42% | 14.42% | 15.67% | 12.22% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 14.34% | 14.34% | 15.59% | 12.03% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.36% | 14.36% | 15.58% | 11.91% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.79% | 13.79% | 15.00% | 11.71% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.75% | 13.75% | 15.00% | 11.70% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.66% | 13.66% | 14.91% | 11.69% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.37% | 13.37% | 14.61% | 11.52% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.32% | 13.32% | 14.57% | 11.60% | 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 |
|---|---|---|---|---|---|---|
| Ccfbank N.A. (this bank) | Risk-based | 12.94% | 12.94% | 14.19% | 11.21% | |
| North Dallas Bank & Trust Co. | $1.81B | CBLR | NA | NA | NA | 10.22% |
| Bank of New England | $1.82B | CBLR | NA | NA | NA | 16.78% |
| First Citizens Bank | $1.80B | Risk-based | 13.75% | 13.75% | 14.96% | 11.96% |
| Old Dominion National Bank | $1.80B | Risk-based | 13.99% | 13.99% | 14.92% | 11.75% |
| The National Bank of Blacksburg | $1.83B | Risk-based | 16.52% | 16.52% | 17.38% | 10.54% |
| Wellworth Bank | $1.84B | Risk-based | 13.79% | 13.79% | 14.98% | 9.92% |
| North Easton Savings Bank | $1.84B | Risk-based | 16.22% | 16.22% | 16.80% | 11.19% |
| Legacy Bank & Trust Company | $1.85B | CBLR | NA | NA | NA | 11.91% |
| Peer 25th percentile | 13.79% | 13.79% | 14.96% | 10.46% | ||
| Peer median | 13.99% | 13.99% | 14.98% | 11.47% | ||
| Peer 75th percentile | 16.22% | 16.22% | 16.80% | 11.92% | ||
| This bank's percentile | 0 | 0 | 0 | 50 |
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/962890/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.