Classic Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.70% (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: 8.70% (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 15.44% +8.94 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 | $77.4M | 77,420 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $501.3M | 501,286 | RCOAA223 |
| Recomputed ratio | 15.44% | numerator / denominator | |
| Filed ratio | 15.44% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.94 pp | $44.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.44% +7.44 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 | $77.4M | 77,420 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $501.3M | 501,286 | RCOAA223 |
| Recomputed ratio | 15.44% | numerator / denominator | |
| Filed ratio | 15.44% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.44 pp | $37.3M | capital that could be lost first |
Total risk-based capital ratio 16.70% +6.70 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 | $83.7M | 83,692 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $501.3M | 501,286 | RCOAA223 |
| Recomputed ratio | 16.70% | numerator / denominator | |
| Filed ratio | 16.70% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.70 pp | $33.6M | capital that could be lost first |
Tier 1 leverage ratio 11.58% +6.58 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 | $77.4M | 77,420 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $668.6M | 668,610 | RCOAA224 |
| Recomputed ratio | 11.58% | numerator / denominator | |
| Filed ratio | 11.58% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.58 pp | $44.0M | 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 | 10,707 | 10,707 | 10,707 | 10,707 | 10,707 | 10,707 | RCOAP742 |
| Retained earnings | 66,713 | 66,202 | 64,604 | 62,922 | 61,587 | 59,498 | RCOAKW00 |
| Accumulated other comprehensive income | (3,762) | (3,722) | (3,838) | (4,326) | (6,299) | (5,487) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 73,658 | 73,187 | 71,473 | 69,303 | 65,995 | 64,718 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,762 | 3,722 | 3,838 | 4,326 | 6,299 | 5,487 | P859 - P840 |
| Common equity Tier 1 capital | 77,420 | 76,909 | 75,311 | 73,629 | 72,294 | 70,205 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 77,420 | 76,909 | 75,311 | 73,629 | 72,294 | 70,205 | RCOA8274 |
| Tier 2 capital | 6,272 | 5,966 | 6,075 | 6,056 | 6,288 | 6,699 | RCOA5311 |
| Allowance includable in Tier 2 capital | 6,272 | 5,966 | 6,075 | 6,056 | 6,288 | 6,699 | RCOA5310 |
| Total capital | 83,692 | 82,875 | 81,386 | 79,685 | 78,582 | 76,904 | RCOA3792 |
| Total risk-weighted assets | 501,286 | 476,586 | 485,436 | 483,886 | 502,570 | 535,886 | RCOAA223 |
| Average total assets for the leverage ratio | 668,610 | 666,206 | 655,888 | 669,947 | 702,779 | 726,940 | 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 | $7.3M | $495K | 6.77% | 0.10% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $90.8M | $18.7M | 20.65% | 3.74% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $440.5M | $358.2M | 81.32% | 71.39% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $6.7M | $10.0M | 150.00% | 2.00% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $82.9M | $67.0M | 80.80% | 13.35% | RC-R Part II, item 4.d, 5.d |
| All other assets | $38.9M | $37.4M | 96.21% | 7.45% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $9.4M | $9.4M | 100.00% | 1.88% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $446K | NA | 0.09% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $501.3M | ties to item 31 ($501.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $501.7M | RCONB704 |
| Less: excess allowance for credit losses | $437K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $501.3M | 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 | 15.44% | 15.44% | 16.70% | 11.58% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 16.14% | 16.14% | 17.39% | 11.54% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.51% | 15.51% | 16.77% | 11.48% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 15.22% | 15.22% | 16.47% | 10.99% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.38% | 14.38% | 15.64% | 10.29% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.10% | 13.10% | 14.35% | 9.66% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.79% | 12.79% | 14.04% | 9.57% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.80% | 12.80% | 14.05% | 9.37% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.23% | 12.23% | 13.49% | 9.08% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.77% | 11.77% | 13.02% | 8.77% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.35% | 11.35% | 12.58% | 8.76% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.32% | 11.32% | 12.57% | 8.77% | 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 |
|---|---|---|---|---|---|---|
| Classic Bank, N.A. (this bank) | Risk-based | 15.44% | 15.44% | 16.70% | 11.58% | |
| First Southwest Bank | $657.5M | Risk-based | 26.56% | 26.56% | 27.81% | 15.31% |
| Homeland Federal Savings Bank | $657.8M | CBLR | NA | NA | NA | 9.21% |
| Bank of Oak Ridge | $658.1M | CBLR | NA | NA | NA | 12.53% |
| First Hope Bank, a National Banking Association | $656.7M | Risk-based | 14.13% | 14.13% | 15.38% | 10.02% |
| Peoples Bank & Trust | $656.6M | Risk-based | 16.48% | 16.48% | 17.52% | 10.73% |
| GBC International Bank | $658.5M | CBLR | NA | NA | NA | 15.94% |
| First State Bank and Trust Company, Inc. | $659.0M | CBLR | NA | NA | NA | 12.57% |
| Worthington Bank | $655.4M | Risk-based | 12.56% | 12.56% | 13.61% | 9.31% |
| Peer 25th percentile | 13.74% | 13.74% | 14.94% | 9.84% | ||
| Peer median | 15.31% | 15.31% | 16.45% | 11.63% | ||
| Peer 75th percentile | 19.00% | 19.00% | 20.09% | 13.26% | ||
| This bank's percentile | 50 | 50 | 50 | 50 |
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/182951/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.