Chickasaw Community Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 13.24% (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: 13.24% (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 19.98% +13.48 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 | $60.4M | 60,428 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $302.4M | 302,388 | RCOAA223 |
| Recomputed ratio | 19.98% | numerator / denominator | |
| Filed ratio | 19.98% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +13.48 pp | $40.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 19.98% +11.98 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 | $60.4M | 60,428 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $302.4M | 302,388 | RCOAA223 |
| Recomputed ratio | 19.98% | numerator / denominator | |
| Filed ratio | 19.98% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +11.98 pp | $36.2M | capital that could be lost first |
Total risk-based capital ratio 21.24% +11.24 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 | $64.2M | 64,220 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $302.4M | 302,388 | RCOAA223 |
| Recomputed ratio | 21.24% | numerator / denominator | |
| Filed ratio | 21.24% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +11.24 pp | $34.0M | capital that could be lost first |
Tier 1 leverage ratio 11.03% +6.03 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 | $60.4M | 60,428 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $547.8M | 547,802 | RCOAA224 |
| Recomputed ratio | 11.03% | numerator / denominator | |
| Filed ratio | 11.03% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.03 pp | $33.0M | 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 | 65,276 | 54,095 | 54,095 | 54,095 | 54,095 | 54,095 | RCOAP742 |
| Retained earnings | (1,485) | (1,371) | (1,935) | (1,628) | 9,871 | 9,102 | RCOAKW00 |
| Accumulated other comprehensive income | (1,951) | (2,036) | (2,028) | (2,092) | (2,871) | (2,818) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 61,840 | 50,688 | 50,132 | 50,375 | 61,095 | 60,379 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,412) | 1,897 | 1,889 | 1,953 | 2,732 | 2,679 | P859 - P840 |
| Common equity Tier 1 capital | 60,428 | 52,585 | 52,021 | 52,328 | 63,827 | 63,058 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 60,428 | 52,585 | 52,021 | 52,328 | 63,827 | 63,058 | RCOA8274 |
| Tier 2 capital | 3,792 | 2,873 | 3,039 | 2,883 | 2,720 | 2,820 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,792 | 2,873 | 3,039 | 2,883 | 2,720 | 2,820 | RCOA5310 |
| Total capital | 64,220 | 55,458 | 55,060 | 55,211 | 66,547 | 65,878 | RCOA3792 |
| Total risk-weighted assets | 302,388 | 228,789 | 242,248 | 229,566 | 216,342 | 224,408 | RCOAA223 |
| Average total assets for the leverage ratio | 547,802 | 446,201 | 443,528 | 454,162 | 467,382 | 451,815 | 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 | $136.2M | $2.5M | 1.81% | 0.81% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $36.9M | $7.4M | 20.09% | 2.44% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $21.4M | $4.3M | 20.00% | 1.41% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $159.3M | $78.0M | 48.98% | 25.72% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $1.3M | $2.0M | 150.00% | 0.67% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $5.0M | $7.4M | 150.00% | 2.45% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $159.5M | $152.6M | 95.66% | 50.30% | RC-R Part II, item 4.d, 5.d |
| All other assets | $41.6M | $39.1M | 94.10% | 12.90% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $9.8M | $9.8M | 100.00% | 3.22% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $250K | NA | 0.08% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $303.2M | ties to item 31 ($303.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $303.4M | RCONB704 |
| Less: excess allowance for credit losses | $1.0M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $302.4M | 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 | 19.98% | 19.98% | 21.24% | 11.03% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 22.98% | 22.98% | 24.24% | 11.79% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 21.47% | 21.47% | 22.73% | 11.73% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 22.79% | 22.79% | 24.05% | 11.52% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 29.50% | 29.50% | 30.76% | 13.66% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 28.10% | 28.10% | 29.36% | 13.96% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 26.13% | 26.13% | 27.38% | 14.23% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.78% | 13.78% | 15.03% | 8.14% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.23% | 13.23% | 14.48% | 7.84% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.17% | 12.17% | 13.42% | 7.88% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.36% | 12.36% | 13.61% | 7.85% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.83% | 11.83% | 13.09% | 8.08% | 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 |
|---|---|---|---|---|---|---|
| Chickasaw Community Bank (this bank) | Risk-based | 19.98% | 19.98% | 21.24% | 11.03% | |
| Security Savings Bank | $557.4M | Risk-based | 10.27% | 10.27% | 11.15% | 9.38% |
| Sunmark Community Bank | $556.6M | CBLR | NA | NA | NA | 14.61% |
| Mountain Valley Bank | $556.5M | CBLR | NA | NA | NA | 10.51% |
| Community Resource Bank | $556.4M | Risk-based | 13.97% | 13.97% | 15.22% | 10.52% |
| Northwestern Mutual Wealth Management Company | $557.7M | CBLR | NA | NA | NA | 54.95% |
| Central State Bank | $557.8M | CBLR | NA | NA | NA | 10.43% |
| First State Bank | $558.1M | CBLR | NA | NA | NA | 9.80% |
| First Pryority Bank | $558.1M | CBLR | NA | NA | NA | 10.55% |
| Texas Traditions Bank | $555.9M | CBLR | NA | NA | NA | 9.39% |
| Nave Bank | $555.0M | Risk-based | 24.87% | 24.87% | 25.83% | 13.84% |
| Peer 25th percentile | 12.12% | 12.12% | 13.18% | 9.96% | ||
| Peer median | 13.97% | 13.97% | 15.22% | 10.51% | ||
| Peer 75th percentile | 19.42% | 19.42% | 20.52% | 13.01% | ||
| This bank's percentile | 67 | 67 | 67 | 70 |
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/64552/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.