Clear Lake Bank and Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.53% (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: 4.53% (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 11.28% +4.78 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 | $54.9M | 54,857 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $486.3M | 486,332 | RCOAA223 |
| Recomputed ratio | 11.28% | numerator / denominator | |
| Filed ratio | 11.28% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.78 pp | $23.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.28% +3.28 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 | $54.9M | 54,857 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $486.3M | 486,332 | RCOAA223 |
| Recomputed ratio | 11.28% | numerator / denominator | |
| Filed ratio | 11.28% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.28 pp | $15.9M | capital that could be lost first |
Total risk-based capital ratio 12.53% +2.53 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 | $60.9M | 60,944 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $486.3M | 486,332 | RCOAA223 |
| Recomputed ratio | 12.53% | numerator / denominator | |
| Filed ratio | 12.53% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.53 pp | $12.3M | capital that could be lost first |
Tier 1 leverage ratio 8.53% +3.53 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 | $54.9M | 54,857 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $643.4M | 643,369 | RCOAA224 |
| Recomputed ratio | 8.53% | numerator / denominator | |
| Filed ratio | 8.53% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.53 pp | $22.7M | 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 | 9,188 | 9,188 | 9,188 | 9,188 | 9,188 | 9,188 | RCOAP742 |
| Retained earnings | 47,102 | 46,458 | 44,275 | 43,924 | 43,090 | 42,706 | RCOAKW00 |
| Accumulated other comprehensive income | (573) | (501) | (98) | (311) | (1,309) | (1,317) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 55,717 | 55,145 | 53,365 | 52,801 | 50,969 | 50,577 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (860) | (932) | (1,335) | (1,122) | (114) | (116) | P859 - P840 |
| Common equity Tier 1 capital | 54,857 | 54,213 | 52,030 | 51,679 | 50,855 | 50,461 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 54,857 | 54,213 | 52,030 | 51,679 | 50,855 | 50,461 | RCOA8274 |
| Tier 2 capital | 6,087 | 5,979 | 5,900 | 5,958 | 5,804 | 5,712 | RCOA5311 |
| Allowance includable in Tier 2 capital | 6,087 | 5,979 | 5,900 | 5,958 | 5,804 | 5,712 | RCOA5310 |
| Total capital | 60,944 | 60,192 | 57,930 | 57,637 | 56,659 | 56,173 | RCOA3792 |
| Total risk-weighted assets | 486,332 | 477,748 | 471,467 | 476,292 | 463,961 | 456,413 | RCOAA223 |
| Average total assets for the leverage ratio | 643,369 | 638,492 | 632,214 | 628,682 | 610,545 | 602,931 | 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 | $44.2M | $604K | 1.37% | 0.12% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $86.9M | $9.6M | 11.07% | 1.98% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $142.6M | $71.3M | 50.01% | 14.65% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $19.7M | $29.6M | 150.00% | 6.08% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $21K | $32K | 150.00% | 0.01% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $332.6M | $327.1M | 98.36% | 67.18% | RC-R Part II, item 4.d, 5.d |
| All other assets | $26.1M | $26.9M | 103.36% | 5.53% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $18.6M | $18.5M | 99.56% | 3.81% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $3.1M | NA | 0.64% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $483.8M | ties to item 31 ($483.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $487.0M | RCONB704 |
| Less: excess allowance for credit losses | $644K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $486.3M | 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 | 11.28% | 11.28% | 12.53% | 8.53% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.35% | 11.35% | 12.60% | 8.49% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.04% | 11.04% | 12.29% | 8.23% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.85% | 10.85% | 12.10% | 8.22% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.96% | 10.96% | 12.21% | 8.33% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.06% | 11.06% | 12.31% | 8.37% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.85% | 10.85% | 12.10% | 8.12% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.89% | 10.89% | 12.14% | 8.27% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.69% | 10.69% | 11.94% | 8.18% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 10.83% | 10.83% | 12.08% | 8.32% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.83% | 10.83% | 12.08% | 8.09% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.02% | 11.02% | 12.28% | 8.31% | 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 |
|---|---|---|---|---|---|---|
| Clear Lake Bank and Trust Company (this bank) | Risk-based | 11.28% | 11.28% | 12.53% | 8.53% | |
| Community Bank & Trust, Waco, Texas | $649.1M | Risk-based | 25.98% | 25.98% | 27.23% | 15.45% |
| First Eagle Bank | $649.6M | CBLR | NA | NA | NA | 21.29% |
| Reliance Savings Bank | $648.9M | Risk-based | 15.35% | 15.35% | 16.27% | 12.24% |
| Outdoor Bank | $648.8M | CBLR | NA | NA | NA | 9.24% |
| Modern Bank, N.A. | $648.5M | Risk-based | 12.96% | 12.96% | 14.21% | 9.56% |
| Citizens State Bank - La Crosse | $648.5M | CBLR | NA | NA | NA | 13.36% |
| The Bank of Tescott | $648.3M | CBLR | NA | NA | NA | 10.62% |
| Northeast Georgia Bank | $650.6M | CBLR | NA | NA | NA | 13.41% |
| Phoenixville Federal Bank and Trust | $648.0M | CBLR | NA | NA | NA | 12.62% |
| Stockmens Bank | $650.8M | Risk-based | 11.01% | 11.01% | 12.27% | 10.63% |
| Peer 25th percentile | 12.47% | 12.47% | 13.73% | 10.62% | ||
| Peer median | 14.16% | 14.16% | 15.24% | 12.43% | ||
| Peer 75th percentile | 18.01% | 18.01% | 19.01% | 13.40% | ||
| This bank's percentile | 25 | 25 | 25 | 0 |
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/865544/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.