CNB Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.05% (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: 6.05% (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 13.09% +6.59 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 | $844.8M | 844,809 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.45B | 6,452,452 | RCOAA223 |
| Recomputed ratio | 13.09% | numerator / denominator | |
| Filed ratio | 13.09% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.59 pp | $425.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.21% +5.21 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 | $852.2M | 852,188 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.45B | 6,452,452 | RCOAA223 |
| Recomputed ratio | 13.21% | numerator / denominator | |
| Filed ratio | 13.21% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.21 pp | $336.0M | capital that could be lost first |
Total risk-based capital ratio 14.05% +4.05 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 | $906.3M | 906,290 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.45B | 6,452,452 | RCOAA223 |
| Recomputed ratio | 14.05% | numerator / denominator | |
| Filed ratio | 14.05% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.05 pp | $261.0M | capital that could be lost first |
Tier 1 leverage ratio 10.17% +5.17 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 | $852.2M | 852,188 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $8.38B | 8,377,247 | RCOAA224 |
| Recomputed ratio | 10.17% | numerator / denominator | |
| Filed ratio | 10.17% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.17 pp | $433.3M | 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 | 536,844 | 536,844 | 546,844 | 546,844 | 264,051 | 264,051 | RCOAP742 |
| Retained earnings | 418,630 | 437,688 | 416,758 | 390,574 | 381,698 | 373,310 | RCOAKW00 |
| Accumulated other comprehensive income | (36,559) | (34,269) | (30,665) | (30,561) | (33,462) | (36,511) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 918,915 | 940,263 | 932,937 | 906,857 | 612,287 | 600,850 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (74,106) | (78,713) | (83,156) | (97,814) | (8,188) | (5,156) | P859 - P840 |
| Common equity Tier 1 capital | 844,809 | 861,550 | 849,781 | 809,043 | 604,099 | 595,694 | RCOAP859 |
| Additional Tier 1 capital | 7,379 | 7,379 | 7,379 | 7,379 | 7,379 | 7,379 | RCOAP865 |
| Tier 1 capital | 852,188 | 868,929 | 857,160 | 816,422 | 611,478 | 603,073 | RCOA8274 |
| Tier 2 capital | 54,102 | 53,199 | 48,638 | 64,439 | 46,918 | 45,888 | RCOA5311 |
| Allowance includable in Tier 2 capital | 54,102 | 53,199 | 48,638 | 64,439 | 46,918 | 45,888 | RCOA5310 |
| Total capital | 906,290 | 922,128 | 905,798 | 880,861 | 658,396 | 648,961 | RCOA3792 |
| Total risk-weighted assets | 6,452,452 | 6,358,745 | 6,370,809 | 6,452,590 | 4,832,250 | 4,719,242 | RCOAA223 |
| Average total assets for the leverage ratio | 8,377,247 | 8,254,728 | 8,166,423 | 8,178,527 | 6,205,694 | 6,194,446 | 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 | $452.7M | $12.8M | 2.83% | 0.20% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $949.9M | $197.1M | 20.75% | 3.05% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $2.22B | $1.17B | 52.72% | 18.15% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $38.7M | $58.0M | 150.00% | 0.90% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $4.24B | $4.20B | 99.17% | 65.11% | RC-R Part II, item 4.d, 5.d |
| All other assets | $477.5M | $458.5M | 96.02% | 7.11% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $280.0M | $272.6M | 97.37% | 4.22% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $11.8M | $7.7M | 65.73% | 0.12% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $73.4M | NA | 1.14% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $6.38B | ties to item 31 ($6.38B) |
|---|---|---|
| Risk-weighted assets before deductions | $6.45B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $6.45B | 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 | 13.09% | 13.21% | 14.05% | 10.17% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.55% | 13.67% | 14.50% | 10.53% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.34% | 13.45% | 14.22% | 10.50% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.54% | 12.65% | 13.65% | 9.98% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.50% | 12.65% | 13.62% | 9.85% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.62% | 12.78% | 13.75% | 9.74% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.51% | 12.67% | 13.59% | 9.84% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.41% | 12.56% | 13.48% | 9.97% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.51% | 12.67% | 13.58% | 9.89% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.56% | 12.72% | 13.65% | 10.01% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.31% | 12.47% | 13.36% | 9.86% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.03% | 12.20% | 13.08% | 9.83% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| CNB Bank (this bank) | Risk-based | 13.09% | 13.21% | 14.05% | 10.17% | |
| Heritage Bank | $8.42B | Risk-based | 12.34% | 12.34% | 13.23% | 10.23% |
| German American Bank | $8.43B | Risk-based | 13.31% | 13.31% | 14.24% | 11.19% |
| BankPlus | $8.38B | CBLR | NA | NA | NA | 10.84% |
| Forbright Bank | $8.48B | CBLR | NA | NA | NA | 11.24% |
| Poppy Bank | $8.32B | Risk-based | 12.82% | 12.82% | 14.07% | 9.71% |
| Cross River Bank | $8.53B | CBLR | NA | NA | NA | 11.78% |
| First Security Bank | $8.58B | Risk-based | 20.73% | 20.73% | 21.99% | 15.60% |
| First American Bank | $8.63B | Risk-based | 13.77% | 13.77% | 14.80% | 7.58% |
| Univest Bank and Trust Co. | $8.17B | Risk-based | 10.76% | 10.76% | 12.01% | 9.73% |
| Southside Bank | $8.76B | Risk-based | 16.28% | 16.28% | 17.10% | 11.43% |
| Peer 25th percentile | 12.58% | 12.58% | 13.65% | 9.85% | ||
| Peer median | 13.31% | 13.31% | 14.24% | 11.01% | ||
| Peer 75th percentile | 15.03% | 15.03% | 15.95% | 11.38% | ||
| This bank's percentile | 43 | 43 | 29 | 30 |
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/399517/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.