The City National Bank of Metropolis: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 17.17% (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: 17.17% (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 24.06% +17.56 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 | $62.3M | 62,334 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $259.1M | 259,100 | RCOAA223 |
| Recomputed ratio | 24.06% | numerator / denominator | |
| Filed ratio | 24.06% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +17.56 pp | $45.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 24.06% +16.06 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 | $62.3M | 62,334 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $259.1M | 259,100 | RCOAA223 |
| Recomputed ratio | 24.06% | numerator / denominator | |
| Filed ratio | 24.06% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +16.06 pp | $41.6M | capital that could be lost first |
Total risk-based capital ratio 25.17% +15.17 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 | $65.2M | 65,209 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $259.1M | 259,100 | RCOAA223 |
| Recomputed ratio | 25.17% | numerator / denominator | |
| Filed ratio | 25.17% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +15.17 pp | $39.3M | capital that could be lost first |
Tier 1 leverage ratio 13.78% +8.78 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 | $62.3M | 62,334 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $452.3M | 452,273 | RCOAA224 |
| Recomputed ratio | 13.78% | numerator / denominator | |
| Filed ratio | 13.78% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.78 pp | $39.7M | 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 | 800 | 800 | 800 | 800 | 800 | 800 | RCOAP742 |
| Retained earnings | 61,534 | 61,386 | 60,606 | 60,637 | 59,688 | 59,418 | RCOAKW00 |
| Accumulated other comprehensive income | (14,859) | (14,872) | (13,823) | (16,130) | (18,314) | (17,639) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 47,475 | 47,314 | 47,583 | 45,307 | 42,174 | 42,579 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 14,859 | 14,872 | 13,823 | 16,130 | 18,314 | 17,639 | P859 - P840 |
| Common equity Tier 1 capital | 62,334 | 62,186 | 61,406 | 61,437 | 60,488 | 60,218 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 62,334 | 62,186 | 61,406 | 61,437 | 60,488 | 60,218 | RCOA8274 |
| Tier 2 capital | 2,875 | 2,982 | 3,098 | 3,193 | 3,139 | 3,114 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,875 | 2,982 | 3,098 | 3,193 | 3,139 | 3,114 | RCOA5310 |
| Total capital | 65,209 | 65,168 | 64,504 | 64,630 | 63,627 | 63,332 | RCOA3792 |
| Total risk-weighted assets | 259,100 | 254,266 | 251,887 | 255,349 | 251,037 | 248,993 | RCOAA223 |
| Average total assets for the leverage ratio | 452,273 | 452,664 | 459,940 | 460,286 | 460,742 | 459,201 | 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 | $17.8M | $1.5M | 8.66% | 0.59% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $186.9M | $48.9M | 26.15% | 18.86% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.2M | $240K | 20.00% | 0.09% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $126.0M | $63.0M | 50.00% | 24.31% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $4.2M | $4.2M | 100.00% | 1.61% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $117.6M | $117.6M | 100.00% | 45.40% | RC-R Part II, item 4.d, 5.d |
| All other assets | $14.9M | $14.0M | 93.76% | 5.38% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $9.7M | $9.7M | 100.00% | 3.75% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $400 | 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 | $259.1M | ties to item 31 ($259.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $259.1M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $259.1M | 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 | 24.06% | 24.06% | 25.17% | 13.78% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 24.46% | 24.46% | 25.63% | 13.74% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 24.38% | 24.38% | 25.61% | 13.35% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 24.06% | 24.06% | 25.31% | 13.35% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 24.10% | 24.10% | 25.35% | 13.13% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 24.18% | 24.18% | 25.44% | 13.11% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 23.95% | 23.95% | 25.20% | 12.93% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 24.52% | 24.52% | 25.77% | 13.11% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 23.79% | 23.79% | 25.04% | 12.99% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 23.59% | 23.59% | 24.85% | 12.94% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 22.92% | 22.92% | 24.18% | 12.59% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 23.11% | 23.11% | 24.36% | 12.81% | 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 City National Bank of Metropolis (this bank) | Risk-based | 24.06% | 24.06% | 25.17% | 13.78% | |
| First Jackson Bank | $444.3M | CBLR | NA | NA | NA | 14.78% |
| Glennville Bank | $444.2M | Risk-based | 21.74% | 21.74% | 23.00% | 11.02% |
| Noblebank & Trust | $444.0M | CBLR | NA | NA | NA | 11.32% |
| National Grand Bank of Marblehead | $444.8M | CBLR | NA | NA | NA | 10.31% |
| James Polk Stone Community Bank | $443.8M | CBLR | NA | NA | NA | 9.98% |
| West Texas State Bank | $443.7M | CBLR | NA | NA | NA | 10.49% |
| Community Bank and Trust | $445.1M | Risk-based | 27.64% | 27.64% | 28.89% | 8.37% |
| Community Bank Delaware | $443.6M | Risk-based | 11.88% | 11.88% | 12.98% | 8.58% |
| Riverhills Bank | $445.2M | CBLR | NA | NA | NA | 12.54% |
| Peoples Bank | $445.3M | Risk-based | 14.35% | 14.35% | 15.26% | 12.72% |
| Peer 25th percentile | 13.73% | 13.73% | 14.69% | 10.06% | ||
| Peer median | 18.05% | 18.05% | 19.13% | 10.76% | ||
| Peer 75th percentile | 23.21% | 23.21% | 24.47% | 12.23% | ||
| This bank's percentile | 75 | 75 | 75 | 90 |
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/298245/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.