Coastal Community Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.27% (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: 4.27% (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 10.97% +4.47 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 | $463.2M | 463,244 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.22B | 4,222,667 | RCOAA223 |
| Recomputed ratio | 10.97% | numerator / denominator | |
| Filed ratio | 10.97% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.47 pp | $188.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.97% +2.97 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 | $463.2M | 463,244 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.22B | 4,222,667 | RCOAA223 |
| Recomputed ratio | 10.97% | numerator / denominator | |
| Filed ratio | 10.97% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.97 pp | $125.4M | capital that could be lost first |
Total risk-based capital ratio 12.27% +2.27 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 | $518.1M | 518,072 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.22B | 4,222,667 | RCOAA223 |
| Recomputed ratio | 12.27% | numerator / denominator | |
| Filed ratio | 12.27% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.27 pp | $95.8M | capital that could be lost first |
Tier 1 leverage ratio 9.13% +4.13 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 | $463.2M | 463,244 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $5.08B | 5,076,465 | RCOAA224 |
| Recomputed ratio | 9.13% | numerator / denominator | |
| Filed ratio | 9.13% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.13 pp | $209.4M | 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 | 226,584 | 224,912 | 223,128 | 219,330 | 219,503 | 217,708 | RCOAP742 |
| Retained earnings | 240,872 | 282,419 | 269,999 | 256,855 | 242,874 | 231,257 | RCOAKW00 |
| Accumulated other comprehensive income | (1) | (1) | (1) | (1) | (1) | (1) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 467,455 | 507,330 | 493,126 | 476,184 | 462,376 | 448,964 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (4,211) | (4,438) | (4,541) | (6) | (7) | (8) | P859 - P840 |
| Common equity Tier 1 capital | 463,244 | 502,892 | 488,585 | 476,178 | 462,369 | 448,956 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 463,244 | 502,892 | 488,585 | 476,178 | 462,369 | 448,956 | RCOA8274 |
| Tier 2 capital | 54,828 | 53,124 | 50,418 | 49,702 | 48,293 | 48,032 | RCOA5311 |
| Allowance includable in Tier 2 capital | 54,828 | 53,124 | 50,418 | 49,702 | 48,293 | 48,032 | RCOA5310 |
| Total capital | 518,072 | 556,016 | 539,003 | 525,880 | 510,662 | 496,988 | RCOA3792 |
| Total risk-weighted assets | 4,222,667 | 4,126,174 | 3,908,569 | 3,848,529 | 3,741,771 | 3,703,504 | RCOAA223 |
| Average total assets for the leverage ratio | 5,076,465 | 4,980,120 | 4,609,634 | 4,537,416 | 4,475,551 | 4,247,188 | 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 | $1.01B | $38.3M | 3.80% | 0.87% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $45.2M | $9.0M | 19.99% | 0.21% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $347K | $69K | 20.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $539.6M | $469.5M | 87.01% | 10.70% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $94.8M | $142.2M | 149.98% | 3.24% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $3.68B | $3.41B | 92.65% | 77.77% | RC-R Part II, item 4.d, 5.d |
| All other assets | $291.9M | $216.9M | 74.30% | 4.95% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $101.0M | $99.0M | 97.99% | 2.26% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $500 | 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 | $4.39B | ties to item 31 ($4.39B) |
|---|---|---|
| Risk-weighted assets before deductions | $4.39B | RCONB704 |
| Less: excess allowance for credit losses | $163.6M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $4.22B | 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 | 10.97% | 10.97% | 12.27% | 9.13% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.19% | 12.19% | 13.48% | 10.10% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.50% | 12.50% | 13.79% | 10.60% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.37% | 12.37% | 13.66% | 10.49% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.36% | 12.36% | 13.65% | 10.33% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.12% | 12.12% | 13.42% | 10.57% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.99% | 11.99% | 13.28% | 10.64% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.34% | 10.34% | 11.63% | 9.29% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.15% | 10.15% | 11.44% | 9.24% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.14% | 10.14% | 11.43% | 9.19% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.30% | 10.30% | 11.58% | 9.06% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.21% | 10.21% | 11.48% | 8.99% | 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 |
|---|---|---|---|---|---|---|
| Coastal Community Bank (this bank) | Risk-based | 10.97% | 10.97% | 12.27% | 9.13% | |
| Green Dot Bank | $5.44B | Risk-based | 31.97% | 31.97% | 32.43% | 8.59% |
| Peoples Security Bank and Trust Company | $5.43B | Risk-based | 12.75% | 12.75% | 13.74% | 10.46% |
| Broadway National Bank | $5.42B | Risk-based | 16.72% | 16.72% | 17.73% | 10.93% |
| Stride Bank, N.A. | $5.42B | Risk-based | 18.76% | 18.76% | 19.84% | 8.37% |
| The Canandaigua National Bank and Trust Company | $5.41B | Risk-based | 12.34% | 12.34% | 13.38% | 9.01% |
| Northfield Bank | $5.50B | CBLR | NA | NA | NA | 13.13% |
| The American National Bank of Texas | $5.51B | Risk-based | 12.30% | 12.30% | 13.55% | 8.84% |
| City Bank | $5.39B | Risk-based | 13.39% | 13.39% | 14.50% | 10.79% |
| Great Southern Bank | $5.53B | Risk-based | 13.22% | 13.22% | 14.47% | 11.25% |
| First Internet Bank of Indiana | $5.53B | Risk-based | 10.84% | 10.84% | 12.09% | 7.57% |
| Peer 25th percentile | 12.34% | 12.34% | 13.55% | 8.65% | ||
| Peer median | 13.22% | 13.22% | 14.47% | 9.73% | ||
| Peer 75th percentile | 16.72% | 16.72% | 17.73% | 10.89% | ||
| This bank's percentile | 11 | 11 | 11 | 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/2562164/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.