Clare Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 16.71% (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: 16.71% (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 24.17% +17.67 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 | $40.2M | 40,192 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $166.3M | 166,255 | RCOAA223 |
| Recomputed ratio | 24.17% | numerator / denominator | |
| Filed ratio | 24.17% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +17.67 pp | $29.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 24.17% +16.17 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 | $40.2M | 40,192 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $166.3M | 166,255 | RCOAA223 |
| Recomputed ratio | 24.17% | numerator / denominator | |
| Filed ratio | 24.17% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +16.17 pp | $26.9M | capital that could be lost first |
Total risk-based capital ratio 24.71% +14.71 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 | $41.1M | 41,083 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $166.3M | 166,255 | RCOAA223 |
| Recomputed ratio | 24.71% | numerator / denominator | |
| Filed ratio | 24.71% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +14.71 pp | $24.5M | capital that could be lost first |
Tier 1 leverage ratio 11.64% +6.64 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 | $40.2M | 40,192 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $345.3M | 345,291 | RCOAA224 |
| Recomputed ratio | 11.64% | numerator / denominator | |
| Filed ratio | 11.64% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.64 pp | $22.9M | 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 | 5,000 | 5,000 | 5,000 | 5,000 | 5,000 | 5,000 | RCOAP742 |
| Retained earnings | 35,367 | 35,433 | 34,602 | 34,869 | 34,199 | 33,602 | RCOAKW00 |
| Accumulated other comprehensive income | (9,263) | (9,994) | (9,672) | (10,851) | (12,010) | (13,683) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 31,104 | 30,439 | 29,930 | 29,018 | 27,189 | 24,919 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 9,088 | 9,819 | 9,497 | 10,676 | 11,835 | 13,508 | P859 - P840 |
| Common equity Tier 1 capital | 40,192 | 40,258 | 39,427 | 39,694 | 39,024 | 38,427 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 40,192 | 40,258 | 39,427 | 39,694 | 39,024 | 38,427 | RCOA8274 |
| Tier 2 capital | 891 | NA | 849 | NA | 776 | NA | RCOA5311 |
| Allowance includable in Tier 2 capital | 891 | NA | 849 | NA | 776 | NA | RCOA5310 |
| Total capital | 41,083 | NA | 40,276 | NA | 39,800 | NA | RCOA3792 |
| Total risk-weighted assets | 166,255 | NA | 161,093 | NA | 148,340 | NA | RCOAA223 |
| Average total assets for the leverage ratio | 345,291 | 356,580 | 341,884 | 336,761 | 331,216 | 334,443 | 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 | $4.0M | $395K | 9.85% | 0.24% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $154.7M | $16.2M | 10.45% | 9.73% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $901K | $180K | 20.00% | 0.11% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $68.0M | $48.3M | 71.04% | 29.06% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.0M | $1.5M | 142.16% | 0.89% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $108.1M | $90.2M | 83.51% | 54.28% | RC-R Part II, item 4.d, 5.d |
| All other assets | $5.4M | $3.6M | 66.44% | 2.17% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $5.9M | $5.8M | 98.64% | 3.49% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $53K | NA | 0.03% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $166.2M | ties to item 31 ($166.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $166.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $166.3M | 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 | 24.17% | 24.17% | 24.71% | 11.64% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.29% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 24.47% | 24.47% | 25.00% | 11.53% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.79% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 26.31% | 26.31% | 26.83% | 11.78% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.49% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 26.03% | 26.03% | 26.55% | 11.54% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.21% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 29.05% | 29.05% | 29.59% | 11.30% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.08% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 29.80% | 29.80% | 30.36% | 11.17% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.96% | 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 |
|---|---|---|---|---|---|---|
| Clare Bank, N.A. (this bank) | Risk-based | 24.17% | 24.17% | 24.71% | 11.64% | |
| O'Bannon Banking Company | $332.6M | CBLR | NA | NA | NA | 9.36% |
| Bank of England | $332.3M | Risk-based | 24.59% | 24.59% | 25.76% | 19.91% |
| Copiah Bank | $332.2M | CBLR | NA | NA | NA | 11.80% |
| The Havana National Bank | $332.8M | CBLR | NA | NA | NA | 12.17% |
| Stock Growers Bank | $332.9M | CBLR | NA | NA | NA | 11.56% |
| The Millyard Bank | $333.2M | CBLR | NA | NA | NA | 9.70% |
| Global One Bank | $333.2M | Risk-based | 18.38% | 18.38% | 19.63% | 14.47% |
| STRYV Bank | $333.3M | Risk-based | 9.96% | 9.96% | 10.94% | 8.91% |
| The Harvard State Bank | $331.5M | Risk-based | 14.44% | 14.44% | 15.45% | 8.79% |
| Bank of Newington | $333.8M | Risk-based | 11.35% | 11.35% | 12.61% | 9.07% |
| Peer 25th percentile | 11.35% | 11.35% | 12.61% | 9.14% | ||
| Peer median | 14.44% | 14.44% | 15.45% | 10.63% | ||
| Peer 75th percentile | 18.38% | 18.38% | 19.63% | 12.08% | ||
| This bank's percentile | 80 | 80 | 80 | 60 |
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/988144/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.