CIBC National Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 207.86% (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: 207.86% (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 215.65% +209.15 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 | $176.8M | 176,805 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $82.0M | 81,986 | RCOAA223 |
| Recomputed ratio | 215.65% | numerator / denominator | |
| Filed ratio | 215.65% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +209.15 pp | $171.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 215.65% +207.65 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 | $176.8M | 176,805 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $82.0M | 81,986 | RCOAA223 |
| Recomputed ratio | 215.65% | numerator / denominator | |
| Filed ratio | 215.65% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +207.65 pp | $170.2M | capital that could be lost first |
Total risk-based capital ratio 215.86% +205.86 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 | $177.0M | 176,974 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $82.0M | 81,986 | RCOAA223 |
| Recomputed ratio | 215.86% | numerator / denominator | |
| Filed ratio | 215.86% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +205.86 pp | $168.8M | capital that could be lost first |
Tier 1 leverage ratio 59.61% +54.61 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 | $176.8M | 176,805 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $296.6M | 296,624 | RCOAA224 |
| Recomputed ratio | 59.61% | numerator / denominator | |
| Filed ratio | 59.61% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +54.61 pp | $162.0M | 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 | 170,395 | 170,395 | 170,395 | 170,395 | 170,395 | 170,395 | RCOAP742 |
| Retained earnings | 108,378 | 104,414 | 104,246 | 98,402 | 94,012 | 92,033 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 278,773 | 274,809 | 274,641 | 268,797 | 264,407 | 262,428 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (101,968) | (102,309) | (102,651) | (102,997) | (103,348) | (103,781) | P859 - P840 |
| Common equity Tier 1 capital | 176,805 | 172,500 | 171,990 | 165,800 | 161,059 | 158,647 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 176,805 | 172,500 | 171,990 | 165,800 | 161,059 | 158,647 | RCOA8274 |
| Tier 2 capital | 169 | 106 | 103 | 71 | 103 | 99 | RCOA5311 |
| Allowance includable in Tier 2 capital | 169 | 106 | 103 | 71 | 103 | 99 | RCOA5310 |
| Total capital | 176,974 | 172,606 | 172,093 | 165,871 | 161,162 | 158,746 | RCOA3792 |
| Total risk-weighted assets | 81,986 | 104,056 | 86,625 | 67,243 | 64,268 | 87,105 | RCOAA223 |
| Average total assets for the leverage ratio | 296,624 | 284,857 | 281,716 | 281,941 | 278,683 | 275,276 | 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 | $217.0M | $31.6M | 14.56% | 38.54% | RC-R Part II, item 1 |
| All other assets | $56.4M | $47.7M | 84.46% | 58.13% | RC-R Part II, item 8 |
| Derivatives (over the counter and centrally cleared) | $34.3M | $2.7M | 7.96% | 3.33% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | -$200 | 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 | $82.0M | ties to item 31 ($82.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $82.0M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $82.0M | 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 | 215.65% | 215.65% | 215.86% | 59.61% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 165.78% | 165.78% | 165.88% | 60.56% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 198.55% | 198.55% | 198.66% | 61.05% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 246.57% | 246.57% | 246.67% | 58.81% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 250.61% | 250.61% | 250.77% | 57.79% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 182.13% | 182.13% | 182.25% | 57.63% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | NA | NA | NA | 64.34% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | NA | NA | NA | 59.45% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | NA | NA | NA | 61.10% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | NA | NA | NA | 73.45% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | NA | NA | NA | 66.41% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | NA | NA | NA | 74.14% | 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 |
|---|---|---|---|---|---|---|
| CIBC National Trust Company (this bank) | Risk-based | 215.65% | 215.65% | 215.86% | 59.61% | |
| State Bank & Trust | $413.0M | CBLR | NA | NA | NA | 9.01% |
| Little Horn State Bank | $412.6M | Risk-based | 11.34% | 11.34% | 12.59% | 10.34% |
| Bank of Frankewing | $413.1M | CBLR | NA | NA | NA | 11.25% |
| Farmers and Merchants Bank of South Carolina | $413.6M | Risk-based | 42.67% | 42.67% | 43.42% | 16.56% |
| First Community Bank | $413.6M | Risk-based | 11.96% | 11.96% | 13.15% | 9.93% |
| The Bank of Tioga | $412.1M | Risk-based | 15.38% | 15.38% | 15.89% | 9.39% |
| Village Bank | $411.9M | Risk-based | 12.43% | 12.43% | 13.58% | 8.98% |
| Branson Bank | $414.1M | Risk-based | 11.24% | 11.24% | 12.49% | 9.20% |
| First Vision Bank of Tennessee | $414.2M | Risk-based | 17.72% | 17.72% | 18.97% | 12.40% |
| Peer 25th percentile | 11.65% | 11.65% | 12.87% | 9.20% | ||
| Peer median | 12.43% | 12.43% | 13.58% | 9.93% | ||
| Peer 75th percentile | 16.55% | 16.55% | 17.43% | 11.25% | ||
| This bank's percentile | 100 | 100 | 100 | 100 |
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/975751/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.