Central Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.57% (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: 3.57% (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 10.32% +3.82 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 | $88.6M | 88,646 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $859.4M | 859,384 | RCOAA223 |
| Recomputed ratio | 10.32% | numerator / denominator | |
| Filed ratio | 10.32% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.82 pp | $32.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.32% +2.32 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 | $88.6M | 88,646 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $859.4M | 859,384 | RCOAA223 |
| Recomputed ratio | 10.32% | numerator / denominator | |
| Filed ratio | 10.32% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.32 pp | $19.9M | capital that could be lost first |
Total risk-based capital ratio 11.57% +1.57 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 | $99.4M | 99,411 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $859.4M | 859,384 | RCOAA223 |
| Recomputed ratio | 11.57% | numerator / denominator | |
| Filed ratio | 11.57% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.57 pp | $13.5M | capital that could be lost first |
Tier 1 leverage ratio 9.37% +4.37 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 | $88.6M | 88,646 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $946.1M | 946,113 | RCOAA224 |
| Recomputed ratio | 9.37% | numerator / denominator | |
| Filed ratio | 9.37% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.37 pp | $41.3M | 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 | 34,174 | 34,174 | 34,174 | 34,174 | 34,174 | 34,174 | RCOAP742 |
| Retained earnings | 54,947 | 52,588 | 50,153 | 48,998 | 45,755 | 42,423 | RCOAKW00 |
| Accumulated other comprehensive income | (1,451) | (1,747) | (1,503) | (1,763) | (1,986) | (2,048) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 87,670 | 85,015 | 82,824 | 81,409 | 77,943 | 74,549 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 976 | 1,272 | 1,028 | 1,288 | 1,511 | 1,573 | P859 - P840 |
| Common equity Tier 1 capital | 88,646 | 86,287 | 83,852 | 82,697 | 79,454 | 76,122 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 88,646 | 86,287 | 83,852 | 82,697 | 79,454 | 76,122 | RCOA8274 |
| Tier 2 capital | 10,765 | 10,561 | 10,217 | 9,452 | 9,125 | 8,602 | RCOA5311 |
| Allowance includable in Tier 2 capital | 10,765 | 10,561 | 10,217 | 9,452 | 9,125 | 8,602 | RCOA5310 |
| Total capital | 99,411 | 96,848 | 94,069 | 92,149 | 88,579 | 84,724 | RCOA3792 |
| Total risk-weighted assets | 859,384 | 843,138 | 815,672 | 754,690 | 728,653 | 687,013 | RCOAA223 |
| Average total assets for the leverage ratio | 946,113 | 914,023 | 860,359 | 821,074 | 772,712 | 727,906 | 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 | $32.0M | $6.1M | 19.08% | 0.71% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $44.8M | $9.8M | 21.98% | 1.14% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $46.3M | $9.3M | 20.00% | 1.08% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $260.5M | $172.5M | 66.23% | 20.03% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $11.8M | $17.7M | 150.00% | 2.06% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $39.1M | $38.4M | 98.33% | 4.46% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $509.5M | $507.6M | 99.63% | 58.94% | RC-R Part II, item 4.d, 5.d |
| All other assets | $18.5M | $14.0M | 75.78% | 1.62% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $86.0M | $84.6M | 98.44% | 9.83% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $216K | $108K | 50.00% | 0.01% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1.0M | NA | 0.12% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $860.2M | ties to item 31 ($860.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $861.2M | RCONB704 |
| Less: excess allowance for credit losses | $1.8M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $859.4M | 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 | 10.32% | 10.32% | 11.57% | 9.37% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 10.23% | 10.23% | 11.49% | 9.44% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.28% | 10.28% | 11.53% | 9.75% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.96% | 10.96% | 12.21% | 10.07% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.90% | 10.90% | 12.16% | 10.28% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.08% | 11.08% | 12.33% | 10.46% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.13% | 11.13% | 12.39% | 10.57% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 9.10% | 9.10% | 10.35% | 8.39% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 9.18% | 9.18% | 10.43% | 8.41% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 9.19% | 9.19% | 10.45% | 8.27% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 9.17% | 9.17% | 10.43% | 9.36% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 9.59% | 9.59% | 10.84% | 9.58% | 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 |
|---|---|---|---|---|---|---|
| Central Bank (this bank) | Risk-based | 10.32% | 10.32% | 11.57% | 9.37% | |
| Texas Bank | $953.9M | CBLR | NA | NA | NA | 10.61% |
| The Killbuck Savings Bank Company | $953.8M | Risk-based | 12.93% | 12.93% | 13.73% | 9.49% |
| MainStreet Community Bank of Florida | $953.4M | CBLR | NA | NA | NA | 9.45% |
| First National Bank of Middle Tennessee | $952.4M | CBLR | NA | NA | NA | 10.03% |
| First Bank & Trust Company | $952.1M | Risk-based | 20.02% | 20.02% | 21.27% | 14.89% |
| Diamond Bank | $957.2M | Risk-based | 14.34% | 14.34% | 15.56% | 9.99% |
| First State Bank | $951.5M | CBLR | NA | NA | NA | 10.67% |
| Stone Bank | $950.7M | Risk-based | 10.40% | 10.40% | 11.65% | 8.37% |
| Peer 25th percentile | 12.30% | 12.30% | 13.21% | 9.48% | ||
| Peer median | 13.64% | 13.64% | 14.65% | 10.01% | ||
| Peer 75th percentile | 15.76% | 15.76% | 16.99% | 10.63% | ||
| This bank's percentile | 0 | 0 | 0 | 12 |
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/3488579/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.