Charter Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 10.78% (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: 10.78% (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 17.52% +11.02 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 | $34.3M | 34,267 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $195.6M | 195,571 | RCOAA223 |
| Recomputed ratio | 17.52% | numerator / denominator | |
| Filed ratio | 17.52% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +11.02 pp | $21.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 17.52% +9.52 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 | $34.3M | 34,267 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $195.6M | 195,571 | RCOAA223 |
| Recomputed ratio | 17.52% | numerator / denominator | |
| Filed ratio | 17.52% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +9.52 pp | $18.6M | capital that could be lost first |
Total risk-based capital ratio 18.78% +8.78 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 | $36.7M | 36,726 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $195.6M | 195,571 | RCOAA223 |
| Recomputed ratio | 18.78% | numerator / denominator | |
| Filed ratio | 18.78% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +8.78 pp | $17.2M | capital that could be lost first |
Tier 1 leverage ratio 11.30% +6.30 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 | $34.3M | 34,267 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $303.2M | 303,226 | RCOAA224 |
| Recomputed ratio | 11.30% | numerator / denominator | |
| Filed ratio | 11.30% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.30 pp | $19.1M | 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 | 15,892 | 15,892 | 15,892 | 15,892 | 15,892 | 15,892 | RCOAP742 |
| Retained earnings | 18,375 | 18,375 | 18,373 | 18,371 | 18,370 | 18,369 | RCOAKW00 |
| Accumulated other comprehensive income | (9,920) | (11,531) | (10,719) | (11,514) | (14,745) | (13,749) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 24,347 | 22,736 | 23,546 | 22,749 | 19,517 | 20,512 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 9,920 | 11,531 | 10,719 | 11,514 | 14,745 | 13,749 | P859 - P840 |
| Common equity Tier 1 capital | 34,267 | 34,267 | 34,265 | 34,263 | 34,262 | 34,261 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 34,267 | 34,267 | 34,265 | 34,263 | 34,262 | 34,261 | RCOA8274 |
| Tier 2 capital | 2,459 | 2,534 | 2,529 | 2,566 | 2,659 | 2,637 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,459 | 2,534 | 2,529 | 2,566 | 2,659 | 2,637 | RCOA5310 |
| Total capital | 36,726 | 36,801 | 36,794 | 36,829 | 36,921 | 36,898 | RCOA3792 |
| Total risk-weighted assets | 195,571 | 201,807 | 202,045 | 205,032 | 212,569 | 210,773 | RCOAA223 |
| Average total assets for the leverage ratio | 303,226 | 307,229 | 310,477 | 321,300 | 311,776 | 310,527 | 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 | $9.2M | $774K | 8.39% | 0.39% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $123.9M | $25.5M | 20.57% | 12.95% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $16.7M | $8.4M | 50.26% | 4.28% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $1.1M | $1.6M | 150.00% | 0.84% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $3.5M | $3.5M | 100.00% | 1.80% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $146.1M | $143.9M | 98.50% | 73.17% | RC-R Part II, item 4.d, 5.d |
| All other assets | $5.0M | $4.4M | 87.17% | 2.23% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $9.6M | $8.5M | 88.79% | 4.33% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $100 | 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 | $196.7M | ties to item 31 ($196.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $196.7M | RCONB704 |
| Less: excess allowance for credit losses | $1.1M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $195.6M | 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 | 17.52% | 17.52% | 18.78% | 11.30% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 16.98% | 16.98% | 18.24% | 11.15% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 16.96% | 16.96% | 18.21% | 11.04% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 16.71% | 16.71% | 17.96% | 10.66% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 16.12% | 16.12% | 17.37% | 10.99% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 16.25% | 16.25% | 17.51% | 11.03% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.71% | 15.71% | 16.96% | 10.89% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.96% | 15.96% | 17.21% | 10.78% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 16.47% | 16.47% | 17.73% | 10.87% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 16.49% | 16.49% | 17.74% | 10.97% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 16.28% | 16.28% | 17.53% | 10.77% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 16.59% | 16.59% | 17.84% | 10.62% | 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 |
|---|---|---|---|---|---|---|
| Charter Bank (this bank) | Risk-based | 17.52% | 17.52% | 18.78% | 11.30% | |
| 22nd State Banking Company | $292.2M | Risk-based | 13.12% | 13.12% | 14.38% | 11.12% |
| Huron Valley State Bank | $291.9M | Risk-based | 10.56% | 10.56% | 11.68% | 9.96% |
| State Savings Bank | $291.9M | Risk-based | 10.79% | 10.79% | 12.05% | 8.67% |
| Three Rivers Bank of Montana | $293.1M | CBLR | NA | NA | NA | 11.72% |
| Security First Bank of North Dakota | $293.2M | CBLR | NA | NA | NA | 12.99% |
| The First National Bank of Milaca | $293.2M | Risk-based | 17.35% | 17.35% | 18.48% | 10.77% |
| Lake Central Bank | $291.3M | Risk-based | 14.18% | 14.18% | 15.26% | 11.15% |
| Peer 25th percentile | 10.79% | 10.79% | 12.05% | 10.37% | ||
| Peer median | 13.12% | 13.12% | 14.38% | 11.12% | ||
| Peer 75th percentile | 14.18% | 14.18% | 15.26% | 11.44% | ||
| This bank's percentile | 100 | 100 | 100 | 71 |
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/814458/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.