Cedar Rapids Bank and Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.86% (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: 5.86% (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 13.15% +6.65 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 | $485.6M | 485,591 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.69B | 3,691,618 | RCOAA223 |
| Recomputed ratio | 13.15% | numerator / denominator | |
| Filed ratio | 13.15% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.65 pp | $245.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.15% +5.15 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 | $485.6M | 485,591 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.69B | 3,691,618 | RCOAA223 |
| Recomputed ratio | 13.15% | numerator / denominator | |
| Filed ratio | 13.15% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.15 pp | $190.3M | capital that could be lost first |
Total risk-based capital ratio 13.86% +3.86 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 | $511.8M | 511,774 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.69B | 3,691,618 | RCOAA223 |
| Recomputed ratio | 13.86% | numerator / denominator | |
| Filed ratio | 13.86% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.86 pp | $142.6M | capital that could be lost first |
Tier 1 leverage ratio 16.94% +11.94 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 | $485.6M | 485,591 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.87B | 2,866,620 | RCOAA224 |
| Recomputed ratio | 16.94% | numerator / denominator | |
| Filed ratio | 16.94% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +11.94 pp | $342.3M | 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 | 123,930 | 123,930 | 123,930 | 123,930 | 123,930 | 123,930 | RCOAP742 |
| Retained earnings | 380,706 | 369,048 | 361,619 | 345,842 | 348,883 | 333,452 | RCOAKW00 |
| Accumulated other comprehensive income | (15,779) | (16,676) | (16,183) | (16,386) | (18,295) | (18,666) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 488,857 | 476,302 | 469,366 | 453,386 | 454,518 | 438,716 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (3,266) | (2,446) | (3,017) | (2,895) | (1,068) | (777) | P859 - P840 |
| Common equity Tier 1 capital | 485,591 | 473,856 | 466,349 | 450,491 | 453,450 | 437,939 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 485,591 | 473,856 | 466,349 | 450,491 | 453,450 | 437,939 | RCOA8274 |
| Tier 2 capital | 26,183 | 26,907 | 28,758 | 27,265 | 27,605 | 27,594 | RCOA5311 |
| Allowance includable in Tier 2 capital | 26,183 | 26,907 | 28,758 | 27,265 | 27,605 | 27,594 | RCOA5310 |
| Total capital | 511,774 | 500,763 | 495,107 | 477,756 | 481,055 | 465,533 | RCOA3792 |
| Total risk-weighted assets | 3,691,618 | 3,420,203 | 3,388,138 | 3,275,692 | 3,188,876 | 3,120,349 | RCOAA223 |
| Average total assets for the leverage ratio | 2,866,620 | 2,840,441 | 2,875,011 | 2,680,374 | 2,623,575 | 2,568,624 | 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 | $36.0M | $6.1M | 16.95% | 0.17% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $370.8M | $162.4M | 43.79% | 4.40% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $148.1M | $85.6M | 57.82% | 2.32% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $13.9M | $20.9M | 150.00% | 0.56% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $10.3M | $10.3M | 100.00% | 0.28% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.84B | $1.81B | 98.36% | 49.01% | RC-R Part II, item 4.d, 5.d |
| All other assets | $184.0M | $170.9M | 92.89% | 4.63% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $204.2M | $206.1M | 100.94% | 5.58% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $332.8M | $278.7M | 83.73% | 7.55% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $941.5M | NA | 25.50% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.75B | ties to item 31 ($2.75B) |
|---|---|---|
| Risk-weighted assets before deductions | $3.69B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $3.69B | 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 | 13.15% | 13.15% | 13.86% | 16.94% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.85% | 13.85% | 14.64% | 16.68% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.76% | 13.76% | 14.61% | 16.22% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.75% | 13.75% | 14.58% | 16.81% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 14.22% | 14.22% | 15.09% | 17.28% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 14.03% | 14.03% | 14.92% | 17.05% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.85% | 13.85% | 14.79% | 16.40% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.71% | 13.71% | 14.64% | 16.17% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 14.83% | 14.83% | 15.87% | 16.22% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 14.52% | 14.52% | 15.51% | 15.99% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 14.49% | 14.49% | 15.58% | 14.76% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 15.56% | 15.56% | 16.80% | 14.60% | 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 |
|---|---|---|---|---|---|---|
| Cedar Rapids Bank and Trust Company (this bank) | Risk-based | 13.15% | 13.15% | 13.86% | 16.94% | |
| Wayne Bank | $2.91B | Risk-based | 11.09% | 11.09% | 12.22% | 8.82% |
| National Exchange Bank and Trust | $2.89B | CBLR | NA | NA | NA | 20.06% |
| American First National Bank | $2.89B | Risk-based | 16.38% | 16.38% | 17.44% | 14.38% |
| Merchants Bank, N.A. | $2.88B | Risk-based | 13.46% | 13.46% | 14.60% | 11.49% |
| West Texas National Bank | $2.88B | Risk-based | 16.75% | 16.75% | 18.01% | 10.52% |
| Jefferson Bank | $2.88B | CBLR | NA | NA | NA | 9.81% |
| NexTier Bank, N.A. | $2.93B | Risk-based | 12.11% | 12.11% | 13.27% | 9.64% |
| BayCoast Bank | $2.86B | Risk-based | 10.77% | 10.77% | 12.02% | 8.29% |
| Bryant Bank | $2.94B | Risk-based | 18.98% | 18.98% | 19.93% | 9.53% |
| Peer 25th percentile | 11.60% | 11.60% | 12.74% | 9.53% | ||
| Peer median | 13.46% | 13.46% | 14.60% | 9.81% | ||
| Peer 75th percentile | 16.56% | 16.56% | 17.73% | 11.49% | ||
| This bank's percentile | 43 | 43 | 43 | 89 |
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/3029589/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.