Central Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.55% (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: 3.55% (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 10.60% +4.10 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 | $228.2M | 228,192 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.15B | 2,152,893 | RCOAA223 |
| Recomputed ratio | 10.60% | numerator / denominator | |
| Filed ratio | 10.60% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.10 pp | $88.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.60% +2.60 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 | $228.2M | 228,192 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.15B | 2,152,893 | RCOAA223 |
| Recomputed ratio | 10.60% | numerator / denominator | |
| Filed ratio | 10.60% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.60 pp | $56.0M | capital that could be lost first |
Total risk-based capital ratio 11.55% +1.55 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 | $248.7M | 248,718 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.15B | 2,152,893 | RCOAA223 |
| Recomputed ratio | 11.55% | numerator / denominator | |
| Filed ratio | 11.55% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.55 pp | $33.4M | capital that could be lost first |
Tier 1 leverage ratio 10.09% +5.09 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 | $228.2M | 228,192 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.26B | 2,261,519 | RCOAA224 |
| Recomputed ratio | 10.09% | numerator / denominator | |
| Filed ratio | 10.09% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.09 pp | $115.1M | 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 | 126,090 | 126,090 | 126,090 | 126,090 | 126,090 | 107,428 | RCOAP742 |
| Retained earnings | 113,945 | 110,019 | 107,318 | 104,473 | 100,954 | 98,815 | RCOAKW00 |
| Accumulated other comprehensive income | (2,959) | (3,266) | (2,210) | (2,766) | (3,537) | (4,319) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 237,076 | 232,843 | 231,198 | 227,797 | 223,507 | 201,924 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (8,884) | (8,607) | (9,714) | (9,226) | (8,533) | (7,840) | P859 - P840 |
| Common equity Tier 1 capital | 228,192 | 224,236 | 221,484 | 218,571 | 214,974 | 194,084 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 228,192 | 224,236 | 221,484 | 218,571 | 214,974 | 194,084 | RCOA8274 |
| Tier 2 capital | 20,526 | 20,264 | 20,177 | 19,668 | 19,740 | 20,132 | RCOA5311 |
| Allowance includable in Tier 2 capital | 20,526 | 20,264 | 20,177 | 19,668 | 19,740 | 20,132 | RCOA5310 |
| Total capital | 248,718 | 244,500 | 241,661 | 238,239 | 234,714 | 214,216 | RCOA3792 |
| Total risk-weighted assets | 2,152,893 | 2,132,801 | 2,098,071 | 2,074,562 | 2,055,613 | 2,018,389 | RCOAA223 |
| Average total assets for the leverage ratio | 2,261,519 | 2,243,707 | 2,249,171 | 2,250,670 | 2,148,942 | 2,165,848 | 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 | $42.7M | $3.1M | 7.31% | 0.15% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $157.1M | $18.3M | 11.66% | 0.85% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $452.6M | $234.7M | 51.86% | 10.90% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $18.3M | $27.5M | 150.00% | 1.28% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $5.3M | $5.3M | 100.00% | 0.25% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.52B | $1.51B | 99.38% | 70.36% | RC-R Part II, item 4.d, 5.d |
| All other assets | $103.8M | $91.1M | 87.85% | 4.23% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $7.2M | $89.4M | 1250.00% | 4.15% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $179.7M | $163.0M | 90.72% | 7.57% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $5.5M | NA | 0.26% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.15B | ties to item 31 ($2.15B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.15B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.15B | 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 | 10.60% | 10.60% | 11.55% | 10.09% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.51% | 10.51% | 11.46% | 9.99% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.56% | 10.56% | 11.52% | 9.85% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 10.54% | 10.54% | 11.48% | 9.71% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 10.46% | 10.46% | 11.42% | 10.00% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 9.62% | 9.62% | 10.61% | 8.96% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 9.57% | 9.57% | 10.56% | 9.05% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 9.59% | 9.59% | 10.57% | 9.09% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 9.58% | 9.58% | 10.57% | 8.90% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 9.66% | 9.66% | 10.67% | 9.10% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 9.69% | 9.69% | 10.71% | 9.20% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 9.18% | 9.18% | 10.15% | 8.66% | 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 |
|---|---|---|---|---|---|---|
| Central Bank (this bank) | Risk-based | 10.60% | 10.60% | 11.55% | 10.09% | |
| Builtwell Bank | $2.28B | Risk-based | 13.73% | 13.73% | 14.98% | 9.71% |
| Queensborough National Bank & Trust Company | $2.28B | Risk-based | 12.36% | 12.36% | 13.35% | 8.64% |
| Parke Bank | $2.30B | CBLR | NA | NA | NA | 15.88% |
| Golden Bank, N.A. | $2.28B | Risk-based | 15.60% | 15.60% | 16.85% | 13.74% |
| Plumas Bank | $2.28B | CBLR | NA | NA | NA | 11.77% |
| Blue Ridge Bank, N.A. | $2.31B | Risk-based | 15.10% | 15.10% | 16.36% | 11.23% |
| The First National Bank of Fort Smith | $2.31B | CBLR | NA | NA | NA | 11.08% |
| Colorado Federal Savings Bank | $2.31B | Risk-based | 16.64% | 16.64% | 17.50% | 10.47% |
| Cashmere Valley Bank | $2.32B | CBLR | NA | NA | NA | 12.50% |
| Peer 25th percentile | 13.73% | 13.73% | 14.98% | 10.47% | ||
| Peer median | 15.10% | 15.10% | 16.36% | 11.23% | ||
| Peer 75th percentile | 15.60% | 15.60% | 16.85% | 12.50% | ||
| This bank's percentile | 0 | 0 | 0 | 22 |
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/546544/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.