Cenlar FSB: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 36.07% (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: 36.07% (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 44.07% +37.57 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 | $137.3M | 137,314 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $311.6M | 311,584 | RCOAA223 |
| Recomputed ratio | 44.07% | numerator / denominator | |
| Filed ratio | 44.07% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +37.57 pp | $117.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 44.07% +36.07 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 | $137.3M | 137,314 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $311.6M | 311,584 | RCOAA223 |
| Recomputed ratio | 44.07% | numerator / denominator | |
| Filed ratio | 44.07% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +36.07 pp | $112.4M | capital that could be lost first |
Total risk-based capital ratio 44.07% +34.07 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 | $137.3M | 137,318 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $311.6M | 311,584 | RCOAA223 |
| Recomputed ratio | 44.07% | numerator / denominator | |
| Filed ratio | 44.07% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +34.07 pp | $106.2M | capital that could be lost first |
Tier 1 leverage ratio 16.56% +11.56 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 | $137.3M | 137,314 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $829.1M | 829,111 | RCOAA224 |
| Recomputed ratio | 16.56% | numerator / denominator | |
| Filed ratio | 16.56% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +11.56 pp | $95.9M | 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 | 64,514 | 63,166 | 62,293 | 61,515 | 60,633 | 59,447 | RCOAP742 |
| Retained earnings | 75,095 | 90,947 | 92,927 | 83,813 | 82,152 | 79,053 | RCOAKW00 |
| Accumulated other comprehensive income | (41) | (45) | (47) | (23) | (54) | (59) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 139,568 | 154,068 | 155,173 | 145,305 | 142,731 | 138,441 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,254) | 45 | 47 | 23 | 54 | 59 | P859 - P840 |
| Common equity Tier 1 capital | 137,314 | 154,113 | 155,220 | 145,328 | 142,785 | 138,500 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 137,314 | 154,113 | 155,220 | 145,328 | 142,785 | 138,500 | RCOA8274 |
| Tier 2 capital | 4 | 770 | 791 | 775 | 663 | 673 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4 | 770 | 791 | 775 | 663 | 673 | RCOA5310 |
| Total capital | 137,318 | 154,883 | 156,011 | 146,103 | 143,448 | 139,173 | RCOA3792 |
| Total risk-weighted assets | 311,584 | 356,565 | 380,954 | 366,984 | 309,497 | 321,569 | RCOAA223 |
| Average total assets for the leverage ratio | 829,111 | 863,407 | 921,234 | 895,059 | 921,149 | 992,767 | 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 | $50.0M | $7.2M | 14.48% | 2.32% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $407.8M | $62.6M | 15.36% | 20.10% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $202.2M | $119.8M | 59.26% | 38.45% | RC-R Part II, item 4.a, 5.a |
| All other assets | $114.6M | $108.9M | 95.09% | 34.96% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $4.7M | $4.7M | 100.00% | 1.51% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $8.3M | NA | 2.66% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $303.3M | ties to item 31 ($303.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $311.6M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $311.6M | 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 | 44.07% | 44.07% | 44.07% | 16.56% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 43.22% | 43.22% | 43.44% | 17.85% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 40.75% | 40.75% | 40.95% | 16.85% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 39.60% | 39.60% | 39.81% | 16.24% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 46.13% | 46.13% | 46.35% | 15.50% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 43.07% | 43.07% | 43.28% | 13.95% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 37.45% | 37.45% | 37.65% | 12.03% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 38.47% | 38.47% | 38.67% | 13.38% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 36.63% | 36.63% | 36.83% | 11.33% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 37.04% | 37.04% | 37.24% | 11.06% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 29.03% | 29.03% | 29.24% | 10.05% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 31.87% | 31.87% | 32.08% | 10.57% | 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 |
|---|---|---|---|---|---|---|
| Cenlar FSB (this bank) | Risk-based | 44.07% | 44.07% | 44.07% | 16.56% | |
| Mission Valley Bank | $782.0M | Risk-based | 12.25% | 12.25% | 13.44% | 11.00% |
| Community First Bank | $781.6M | Risk-based | 14.18% | 14.18% | 15.43% | 9.74% |
| The Bank of Canton | $782.5M | Risk-based | 22.99% | 22.99% | 24.24% | 14.43% |
| Hiawatha National Bank | $781.3M | Risk-based | 14.86% | 14.86% | 16.05% | 10.76% |
| Savers Co-Operative Bank | $783.2M | CBLR | NA | NA | NA | 11.30% |
| Millennium Bank | $780.8M | Risk-based | 9.22% | 9.22% | 10.46% | 7.70% |
| Peach State Bank & Trust | $786.0M | Risk-based | 14.92% | 14.92% | 16.12% | 10.09% |
| Franklin Savings Bank | $786.9M | Risk-based | 22.03% | 22.03% | 22.85% | 18.79% |
| Quontic Bank | $787.0M | CBLR | NA | NA | NA | 9.73% |
| Peer 25th percentile | 13.21% | 13.21% | 14.43% | 9.74% | ||
| Peer median | 14.86% | 14.86% | 16.05% | 10.76% | ||
| Peer 75th percentile | 18.48% | 18.48% | 19.49% | 11.30% | ||
| This bank's percentile | 100 | 100 | 100 | 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/934271/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.