Century Bank of Florida: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.80% (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: 8.80% (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 15.55% +9.05 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 | $10.5M | 10,500 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $67.5M | 67,532 | RCOAA223 |
| Recomputed ratio | 15.55% | numerator / denominator | |
| Filed ratio | 15.55% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.05 pp | $6.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.55% +7.55 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 | $10.5M | 10,500 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $67.5M | 67,532 | RCOAA223 |
| Recomputed ratio | 15.55% | numerator / denominator | |
| Filed ratio | 15.55% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.55 pp | $5.1M | capital that could be lost first |
Total risk-based capital ratio 16.80% +6.80 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 | $11.3M | 11,346 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $67.5M | 67,532 | RCOAA223 |
| Recomputed ratio | 16.80% | numerator / denominator | |
| Filed ratio | 16.80% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.80 pp | $4.6M | capital that could be lost first |
Tier 1 leverage ratio 10.56% +5.56 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 | $10.5M | 10,500 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $99.4M | 99,406 | RCOAA224 |
| Recomputed ratio | 10.56% | numerator / denominator | |
| Filed ratio | 10.56% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.56 pp | $5.5M | 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 | 11,433 | 11,433 | 11,433 | 11,433 | 11,433 | 11,433 | RCOAP742 |
| Retained earnings | (933) | (1,073) | (1,031) | (1,275) | (1,483) | (1,637) | RCOAKW00 |
| Accumulated other comprehensive income | (1,040) | (1,060) | (976) | (1,042) | (1,272) | (1,396) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 9,460 | 9,300 | 9,426 | 9,116 | 8,678 | 8,400 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,040 | 1,060 | 976 | 1,042 | 1,272 | 1,396 | P859 - P840 |
| Common equity Tier 1 capital | 10,500 | 10,360 | 10,402 | 10,158 | 9,950 | 9,796 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 10,500 | 10,360 | 10,402 | 10,158 | 9,950 | 9,796 | RCOA8274 |
| Tier 2 capital | 846 | 848 | 865 | 824 | 800 | 821 | RCOA5311 |
| Allowance includable in Tier 2 capital | 846 | 848 | 865 | 824 | 800 | 821 | RCOA5310 |
| Total capital | 11,346 | 11,208 | 11,267 | 10,982 | 10,750 | 10,617 | RCOA3792 |
| Total risk-weighted assets | 67,532 | 67,673 | 69,041 | 65,888 | 63,700 | 65,485 | RCOAA223 |
| Average total assets for the leverage ratio | 99,406 | 102,101 | 102,243 | 101,304 | 100,829 | 102,076 | 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 | $11.4M | $1.1M | 9.96% | 1.68% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $14.8M | $3.6M | 24.65% | 5.38% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $7.8M | $1.6M | 20.00% | 2.29% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $18.6M | $12.0M | 64.55% | 17.76% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $610K | $610K | 100.00% | 0.90% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $42.3M | $40.9M | 96.70% | 60.48% | RC-R Part II, item 4.d, 5.d |
| All other assets | $6.0M | $5.4M | 90.00% | 7.93% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $752K | $752K | 100.00% | 1.11% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1.7M | NA | 2.47% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $66.0M | ties to item 31 ($66.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $67.7M | RCONB704 |
| Less: excess allowance for credit losses | $160K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $67.5M | 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 | 15.55% | 15.55% | 16.80% | 10.56% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.31% | 15.31% | 16.56% | 10.15% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.07% | 15.07% | 16.32% | 10.17% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 15.42% | 15.42% | 16.67% | 10.03% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 15.62% | 15.62% | 16.88% | 9.87% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.96% | 14.96% | 16.21% | 9.60% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.99% | 14.99% | 16.24% | 9.47% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.05% | 15.05% | 16.31% | 9.18% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.60% | 14.60% | 15.85% | 9.26% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.36% | 14.36% | 15.62% | 9.02% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 14.30% | 14.30% | 15.55% | 9.09% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.69% | 13.69% | 14.94% | 8.79% | 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 |
|---|---|---|---|---|---|---|
| Century Bank of Florida (this bank) | Risk-based | 15.55% | 15.55% | 16.80% | 10.56% | |
| The Bank of Milan | $101.1M | CBLR | NA | NA | NA | 9.52% |
| Kansas State Bank | $101.2M | CBLR | NA | NA | NA | 13.17% |
| The Gerber State Bank | $100.8M | CBLR | NA | NA | NA | 12.31% |
| United Orient Bank | $101.4M | CBLR | NA | NA | NA | 12.53% |
| Dedicated Community Bank | $100.6M | Risk-based | 12.71% | 12.71% | 13.31% | 9.27% |
| West Plains Savings and Loan Association | $100.5M | CBLR | NA | NA | NA | 21.11% |
| Black River Country Bank | $101.8M | Risk-based | 12.26% | 12.26% | 13.52% | 8.94% |
| First State Bank | $100.3M | Risk-based | 16.40% | 16.40% | 17.65% | 10.91% |
| Northern State Bank of Virginia | $102.0M | Risk-based | 15.36% | 15.36% | 16.26% | 10.17% |
| The First National Bank of Hebbronville | $102.0M | Risk-based | 48.13% | 48.13% | 48.74% | 16.51% |
| Peer 25th percentile | 12.71% | 12.71% | 13.52% | 9.68% | ||
| Peer median | 15.36% | 15.36% | 16.26% | 11.61% | ||
| Peer 75th percentile | 16.40% | 16.40% | 17.65% | 13.01% | ||
| This bank's percentile | 60 | 60 | 60 | 40 |
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/2939001/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.