Chain Bridge Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 41.09% (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: 41.09% (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 48.10% +41.60 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 | $184.0M | 184,046 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $382.7M | 382,671 | RCOAA223 |
| Recomputed ratio | 48.10% | numerator / denominator | |
| Filed ratio | 48.10% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +41.60 pp | $159.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 48.10% +40.10 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 | $184.0M | 184,046 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $382.7M | 382,671 | RCOAA223 |
| Recomputed ratio | 48.10% | numerator / denominator | |
| Filed ratio | 48.10% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +40.10 pp | $153.4M | capital that could be lost first |
Total risk-based capital ratio 49.09% +39.09 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 | $187.8M | 187,850 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $382.7M | 382,671 | RCOAA223 |
| Recomputed ratio | 49.09% | numerator / denominator | |
| Filed ratio | 49.09% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +39.09 pp | $149.6M | capital that could be lost first |
Tier 1 leverage ratio 9.13% +4.13 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 | $184.0M | 184,046 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.02B | 2,016,566 | RCOAA224 |
| Recomputed ratio | 9.13% | numerator / denominator | |
| Filed ratio | 9.13% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.13 pp | $83.2M | 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 | 62,600 | 62,600 | 58,200 | 58,200 | 58,200 | 58,200 | RCOAP742 |
| Retained earnings | 121,447 | 111,443 | 103,242 | 97,280 | 92,219 | 86,890 | RCOAKW00 |
| Accumulated other comprehensive income | (5,666) | (4,925) | (3,509) | (4,288) | (5,734) | (6,593) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 178,381 | 169,118 | 157,933 | 151,192 | 144,685 | 138,497 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,665 | 4,924 | 3,509 | 4,288 | 5,734 | 6,593 | P859 - P840 |
| Common equity Tier 1 capital | 184,046 | 174,042 | 161,442 | 155,480 | 150,419 | 145,090 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 184,046 | 174,042 | 161,442 | 155,480 | 150,419 | 145,090 | RCOA8274 |
| Tier 2 capital | 3,804 | 3,845 | 4,223 | 4,243 | 4,337 | 4,651 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,804 | 3,845 | 4,223 | 4,243 | 4,337 | 4,651 | RCOA5310 |
| Total capital | 187,850 | 177,887 | 165,665 | 159,723 | 154,756 | 149,741 | RCOA3792 |
| Total risk-weighted assets | 382,671 | 377,344 | 371,214 | 376,593 | 374,110 | 392,864 | RCOAA223 |
| Average total assets for the leverage ratio | 2,016,566 | 1,808,485 | 1,680,030 | 1,476,612 | 1,420,526 | 1,599,739 | 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 | $820.4M | $1.3M | 0.16% | 0.34% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.07B | $173.3M | 16.14% | 45.27% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $207.3M | $103.7M | 50.00% | 27.09% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $67.0M | $67.0M | 100.00% | 17.50% | RC-R Part II, item 4.d, 5.d |
| All other assets | $33.0M | $23.1M | 69.82% | 6.02% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $14.4M | $14.4M | 100.00% | 3.77% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $382.7M | ties to item 31 ($382.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $382.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $382.7M | 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 | 48.10% | 48.10% | 49.09% | 9.13% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 46.12% | 46.12% | 47.14% | 9.62% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 43.49% | 43.49% | 44.63% | 9.61% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 41.29% | 41.29% | 42.41% | 10.53% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 40.21% | 40.21% | 41.37% | 10.59% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 36.93% | 36.93% | 38.12% | 9.07% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 31.76% | 31.76% | 32.94% | 9.57% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 30.78% | 30.78% | 31.90% | 8.29% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 28.76% | 28.76% | 29.91% | 9.09% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 25.30% | 25.30% | 26.44% | 9.10% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 24.30% | 24.30% | 25.44% | 9.21% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 23.03% | 23.03% | 24.16% | 9.24% | 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 |
|---|---|---|---|---|---|---|
| Chain Bridge Bank, N.A. (this bank) | Risk-based | 48.10% | 48.10% | 49.09% | 9.13% | |
| Citizens National Bank of Texas | $2.19B | Risk-based | 13.55% | 13.55% | 14.75% | 12.20% |
| Thomasville National Bank | $2.18B | Risk-based | 12.60% | 12.60% | 13.87% | 10.75% |
| Texas Community Bank | $2.20B | Risk-based | 25.01% | 25.01% | 26.27% | 12.78% |
| Security State Bank & Trust | $2.18B | CBLR | NA | NA | NA | 12.58% |
| Maspeth Federal Savings and Loan Association | $2.21B | CBLR | NA | NA | NA | 34.89% |
| Kennebunk Savings Bank | $2.17B | CBLR | NA | NA | NA | 10.56% |
| Isabella Bank | $2.17B | Risk-based | 11.49% | 11.49% | 12.39% | 8.93% |
| Cfbank N.A. | $2.17B | Risk-based | 13.55% | 13.55% | 14.76% | 11.64% |
| LCNB National Bank | $2.22B | Risk-based | 11.62% | 11.62% | 12.40% | 9.30% |
| Peer 25th percentile | 11.86% | 11.86% | 12.77% | 10.56% | ||
| Peer median | 13.08% | 13.08% | 14.31% | 11.64% | ||
| Peer 75th percentile | 13.55% | 13.55% | 14.75% | 12.58% | ||
| This bank's percentile | 100 | 100 | 100 | 11 |
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/3597211/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.