The Citizens Bank of Edmond: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.22% (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: 4.22% (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 11.18% +4.68 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 | $36.8M | 36,781 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $329.1M | 329,050 | RCOAA223 |
| Recomputed ratio | 11.18% | numerator / denominator | |
| Filed ratio | 11.18% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.68 pp | $15.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.18% +3.18 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 | $36.8M | 36,781 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $329.1M | 329,050 | RCOAA223 |
| Recomputed ratio | 11.18% | numerator / denominator | |
| Filed ratio | 11.18% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.18 pp | $10.5M | capital that could be lost first |
Total risk-based capital ratio 12.22% +2.22 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 | $40.2M | 40,218 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $329.1M | 329,050 | RCOAA223 |
| Recomputed ratio | 12.22% | numerator / denominator | |
| Filed ratio | 12.22% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.22 pp | $7.3M | capital that could be lost first |
Tier 1 leverage ratio 8.50% +3.50 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 | $36.8M | 36,781 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $432.9M | 432,913 | RCOAA224 |
| Recomputed ratio | 8.50% | numerator / denominator | |
| Filed ratio | 8.50% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.50 pp | $15.1M | 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 | 13,753 | 12,203 | 12,203 | 12,203 | 12,203 | 12,203 | RCOAP742 |
| Retained earnings | 23,327 | 22,303 | 23,411 | 22,485 | 22,232 | 21,929 | RCOAKW00 |
| Accumulated other comprehensive income | (3,299) | (3,265) | (3,234) | (3,808) | (3,926) | (3,888) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 33,781 | 31,241 | 32,380 | 30,880 | 30,509 | 30,244 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,000 | 2,967 | 2,919 | 3,527 | 3,645 | 3,611 | P859 - P840 |
| Common equity Tier 1 capital | 36,781 | 34,208 | 35,299 | 34,407 | 34,154 | 33,855 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 36,781 | 34,208 | 35,299 | 34,407 | 34,154 | 33,855 | RCOA8274 |
| Tier 2 capital | 3,437 | 3,436 | 3,443 | 3,452 | 3,452 | 3,456 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,437 | 3,436 | 3,443 | 3,452 | 3,452 | 3,456 | RCOA5310 |
| Total capital | 40,218 | 37,644 | 38,742 | 37,859 | 37,606 | 37,311 | RCOA3792 |
| Total risk-weighted assets | 329,050 | 318,374 | 312,551 | 314,108 | 324,380 | 309,041 | RCOAA223 |
| Average total assets for the leverage ratio | 432,913 | 410,105 | 394,961 | 391,484 | 395,535 | 387,467 | 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 | $29.0M | $331K | 1.14% | 0.10% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $4.5M | $777K | 17.37% | 0.24% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $175.8M | $99.0M | 56.30% | 30.07% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $9.9M | $14.9M | 150.00% | 4.52% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $973K | $973K | 100.00% | 0.30% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $189.6M | $184.9M | 97.48% | 56.18% | RC-R Part II, item 4.d, 5.d |
| All other assets | $25.8M | $24.8M | 96.03% | 7.53% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $4.3M | $3.5M | 81.80% | 1.07% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $800 | 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 | $329.0M | ties to item 31 ($329.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $329.1M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $329.1M | 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 | 11.18% | 11.18% | 12.22% | 8.50% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 10.74% | 10.74% | 11.82% | 8.34% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.29% | 11.29% | 12.40% | 8.94% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.95% | 10.95% | 12.05% | 8.79% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.53% | 10.53% | 11.59% | 8.63% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 10.95% | 10.95% | 12.07% | 8.74% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.90% | 10.90% | 12.02% | 8.92% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.22% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.28% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.08% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.13% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.24% | 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 |
|---|---|---|---|---|---|---|
| The Citizens Bank of Edmond (this bank) | Risk-based | 11.18% | 11.18% | 12.22% | 8.50% | |
| American National Bank-Fox Cities | $432.6M | CBLR | NA | NA | NA | 13.59% |
| TS Bank | $432.7M | Risk-based | 12.81% | 12.81% | 13.56% | 10.61% |
| Home Bank SB | $433.1M | CBLR | NA | NA | NA | 12.46% |
| State Savings Bank | $431.2M | CBLR | NA | NA | NA | 8.79% |
| Bankers' Bank of the West | $433.6M | Risk-based | 13.46% | 13.46% | 14.71% | 14.37% |
| Town & Country Bank and Trust Company | $433.7M | CBLR | NA | NA | NA | 12.75% |
| Foresight Bank | $433.8M | Risk-based | 13.49% | 13.49% | 14.65% | 10.20% |
| Freedombank | $433.9M | Risk-based | 14.15% | 14.15% | 15.32% | 10.70% |
| The First National Bank of Monterey | $430.5M | CBLR | NA | NA | NA | 13.13% |
| SSB Bank | $430.4M | Risk-based | 11.68% | 11.68% | 12.92% | 7.75% |
| Peer 25th percentile | 12.81% | 12.81% | 13.56% | 10.30% | ||
| Peer median | 13.46% | 13.46% | 14.65% | 11.58% | ||
| Peer 75th percentile | 13.49% | 13.49% | 14.71% | 13.03% | ||
| This bank's percentile | 0 | 0 | 0 | 10 |
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/172457/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.