Colony Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.42% (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: 6.42% (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 13.55% +7.05 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 | $361.2M | 361,211 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.66B | 2,664,866 | RCOAA223 |
| Recomputed ratio | 13.55% | numerator / denominator | |
| Filed ratio | 13.55% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.05 pp | $188.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.55% +5.55 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 | $361.2M | 361,211 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.66B | 2,664,866 | RCOAA223 |
| Recomputed ratio | 13.55% | numerator / denominator | |
| Filed ratio | 13.55% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.55 pp | $148.0M | capital that could be lost first |
Total risk-based capital ratio 14.42% +4.42 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 | $384.2M | 384,235 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.66B | 2,664,866 | RCOAA223 |
| Recomputed ratio | 14.42% | numerator / denominator | |
| Filed ratio | 14.42% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.42 pp | $117.7M | capital that could be lost first |
Tier 1 leverage ratio 9.97% +4.97 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 | $361.2M | 361,211 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.62B | 3,623,250 | RCOAA224 |
| Recomputed ratio | 9.97% | numerator / denominator | |
| Filed ratio | 9.97% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.97 pp | $180.1M | 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 | 337,338 | 337,338 | 337,338 | 272,873 | 272,873 | 272,873 | RCOAP742 |
| Retained earnings | 99,757 | 103,526 | 94,800 | 86,639 | 80,652 | 84,946 | RCOAKW00 |
| Accumulated other comprehensive income | (32,996) | (34,067) | (34,493) | (36,971) | (41,658) | (43,397) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 404,099 | 406,797 | 397,645 | 322,541 | 311,867 | 314,422 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (42,888) | (45,287) | (42,005) | (22,173) | (17,393) | (13,729) | P859 - P840 |
| Common equity Tier 1 capital | 361,211 | 361,510 | 355,640 | 300,368 | 294,474 | 300,693 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 361,211 | 361,510 | 355,640 | 300,368 | 294,474 | 300,693 | RCOA8274 |
| Tier 2 capital | 23,024 | 22,905 | 22,781 | 19,161 | 20,088 | 20,687 | RCOA5311 |
| Allowance includable in Tier 2 capital | 23,024 | 22,905 | 22,781 | 19,161 | 20,088 | 20,687 | RCOA5310 |
| Total capital | 384,235 | 384,415 | 378,421 | 319,529 | 314,562 | 321,380 | RCOA3792 |
| Total risk-weighted assets | 2,664,866 | 2,660,242 | 2,613,568 | 2,253,458 | 2,224,966 | 2,140,700 | RCOAA223 |
| Average total assets for the leverage ratio | 3,623,250 | 3,632,131 | 3,298,222 | 3,056,818 | 3,107,480 | 3,124,854 | 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 | $155.0M | $2.7M | 1.75% | 0.10% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $698.0M | $195.6M | 28.03% | 7.34% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.5M | $296K | 20.00% | 0.01% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $540.7M | $293.8M | 54.33% | 11.02% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $17.7M | $26.6M | 150.00% | 1.00% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $13.7M | $16.0M | 116.81% | 0.60% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.92B | $1.84B | 96.16% | 69.17% | RC-R Part II, item 4.d, 5.d |
| All other assets | $167.4M | $155.3M | 92.81% | 5.83% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $124.0M | $114.6M | 92.43% | 4.30% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $702K | $96K | 13.68% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $16.5M | NA | 0.62% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.65B | ties to item 31 ($2.65B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.66B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.66B | 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 | 13.55% | 13.55% | 14.42% | 9.97% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.59% | 13.59% | 14.45% | 9.95% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.61% | 13.61% | 14.48% | 10.78% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.33% | 13.33% | 14.18% | 9.83% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.23% | 13.23% | 14.14% | 9.48% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 14.05% | 14.05% | 15.01% | 9.62% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.33% | 14.33% | 15.29% | 9.55% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.67% | 13.67% | 14.65% | 9.51% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.85% | 13.85% | 14.80% | 9.76% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.37% | 13.37% | 14.31% | 9.43% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.94% | 12.94% | 13.85% | 9.28% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.56% | 12.56% | 13.43% | 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 |
|---|---|---|---|---|---|---|
| Colony Bank (this bank) | Risk-based | 13.55% | 13.55% | 14.42% | 9.97% | |
| First Community Bank | $3.61B | Risk-based | 15.32% | 15.32% | 16.58% | 10.23% |
| Home Bank, N.A. | $3.60B | Risk-based | 14.41% | 14.41% | 15.61% | 12.11% |
| Village Bank & Trust, N.A. | $3.63B | Risk-based | 10.97% | 10.97% | 11.88% | 9.53% |
| First Community Bank | $3.63B | Risk-based | 10.61% | 10.61% | 11.59% | 9.04% |
| Manasquan Bank | $3.59B | Risk-based | 11.00% | 11.00% | 11.94% | 9.69% |
| First Premier Bank | $3.64B | Risk-based | 19.95% | 19.95% | 21.18% | 13.67% |
| Southeast Bank | $3.58B | Risk-based | 12.52% | 12.52% | 13.30% | 8.51% |
| Parkway Bank and Trust Company | $3.66B | Risk-based | 12.59% | 12.59% | 13.75% | 11.50% |
| Frandsen Bank & Trust | $3.66B | Risk-based | 13.89% | 13.89% | 15.14% | 10.02% |
| Peer 25th percentile | 11.00% | 11.00% | 11.94% | 9.53% | ||
| Peer median | 12.59% | 12.59% | 13.75% | 10.02% | ||
| Peer 75th percentile | 14.41% | 14.41% | 15.61% | 11.50% | ||
| This bank's percentile | 56 | 56 | 56 | 44 |
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/491934/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.