Cetera Trust Company, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 114.48% (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: 114.48% (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 122.48% +115.98 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 | $14.2M | 14,159 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $11.6M | 11,560 | RCOAA223 |
| Recomputed ratio | 122.48% | numerator / denominator | |
| Filed ratio | 122.48% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +115.98 pp | $13.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 122.48% +114.48 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 | $14.2M | 14,159 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $11.6M | 11,560 | RCOAA223 |
| Recomputed ratio | 122.48% | numerator / denominator | |
| Filed ratio | 122.48% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +114.48 pp | $13.2M | capital that could be lost first |
Total risk-based capital ratio 122.48% +112.48 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 | $14.2M | 14,159 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $11.6M | 11,560 | RCOAA223 |
| Recomputed ratio | 122.48% | numerator / denominator | |
| Filed ratio | 122.48% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +112.48 pp | $13.0M | capital that could be lost first |
Tier 1 leverage ratio 93.05% +88.05 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 | $14.2M | 14,159 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $15.2M | 15,216 | RCOAA224 |
| Recomputed ratio | 93.05% | numerator / denominator | |
| Filed ratio | 93.05% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +88.05 pp | $13.4M | 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 | 15,168 | 15,168 | 15,168 | 15,168 | 15,168 | 15,168 | RCOAP742 |
| Retained earnings | 1,148 | 1,001 | 914 | 785 | 766 | 802 | RCOAKW00 |
| Accumulated other comprehensive income | 371 | 387 | 523 | 435 | 373 | 284 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 16,687 | 16,556 | 16,605 | 16,388 | 16,307 | 16,254 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,528) | (2,579) | (2,751) | (2,691) | (2,664) | (2,616) | P859 - P840 |
| Common equity Tier 1 capital | 14,159 | 13,977 | 13,854 | 13,697 | 13,643 | 13,638 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 14,159 | 13,977 | 13,854 | 13,697 | 13,643 | 13,638 | RCOA8274 |
| Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOA5311 |
| Allowance includable in Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOA5310 |
| Total capital | 14,159 | 13,977 | 13,854 | 13,697 | 13,643 | 13,638 | RCOA3792 |
| Total risk-weighted assets | 11,560 | 12,137 | 11,999 | 12,514 | 12,400 | 12,731 | RCOAA223 |
| Average total assets for the leverage ratio | 15,216 | 15,417 | 15,132 | 15,000 | 14,891 | 14,849 | 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 | $318K | $14K | 4.28% | 0.12% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $13.0M | $10.3M | 79.29% | 88.91% | RC-R Part II, item 2.a, 2.b |
| All other assets | $1.7M | $1.3M | 73.59% | 10.97% | RC-R Part II, item 8 |
| Market risk and other approaches | NA | $400 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $11.6M | ties to item 31 ($11.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $11.6M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $11.6M | 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 | 122.48% | 122.48% | 122.48% | 93.05% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | Risk-based | 115.16% | 115.16% | 115.16% | 90.66% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | Risk-based | 115.46% | 115.46% | 115.46% | 91.55% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | Risk-based | 109.45% | 109.45% | 109.45% | 91.31% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | Risk-based | 110.02% | 110.02% | 110.02% | 91.62% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | Risk-based | 107.12% | 107.12% | 107.12% | 91.84% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | Risk-based | NA | NA | NA | 89.95% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | Risk-based | NA | NA | NA | 91.11% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | Risk-based | NA | NA | NA | 87.57% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | NA | NA | NA | 84.89% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | NA | NA | NA | 89.24% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | Risk-based | NA | NA | NA | 88.93% | 20.70% | 20.70% | 21.86% | 12.73% |
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 |
|---|---|---|---|---|---|---|
| Cetera Trust Company, N.A. (this bank) | Risk-based | 122.48% | 122.48% | 122.48% | 93.05% | |
| Huntingdon Savings Bank | $17.9M | Risk-based | 47.35% | 47.35% | 48.45% | 22.67% |
| Hartsburg State Bank | $18.1M | CBLR | NA | NA | NA | 11.51% |
| BHM Bank | $17.4M | Risk-based | 18.69% | 18.69% | 19.80% | 13.61% |
| Prescott State Bank | $17.3M | CBLR | NA | NA | NA | 14.83% |
| The Hightower Trust Company, N.A. | $16.9M | CBLR | NA | NA | NA | 83.34% |
| Dysart State Bank | $16.5M | Risk-based | 16.09% | 16.09% | 17.12% | 11.41% |
| Bank of Steinauer | $19.0M | Risk-based | 15.29% | 15.29% | 15.88% | 7.89% |
| Everence Trust Company | $16.2M | Risk-based | 175.57% | 175.57% | 175.57% | 96.81% |
| Brown Brothers Harriman Trust Company, N.A. | $16.1M | CBLR | NA | NA | NA | 67.65% |
| Peer 25th percentile | 16.09% | 16.09% | 17.12% | 11.51% | ||
| Peer median | 18.69% | 18.69% | 19.80% | 14.83% | ||
| Peer 75th percentile | 47.35% | 47.35% | 48.45% | 67.65% | ||
| This bank's percentile | 80 | 80 | 80 | 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/3089752/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.