Commerce Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 22.73% (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: 22.73% (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 29.75% +23.25 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 | $93.4M | 93,406 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $314.0M | 314,007 | RCOAA223 |
| Recomputed ratio | 29.75% | numerator / denominator | |
| Filed ratio | 29.75% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +23.25 pp | $73.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 29.75% +21.75 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 | $93.4M | 93,406 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $314.0M | 314,007 | RCOAA223 |
| Recomputed ratio | 29.75% | numerator / denominator | |
| Filed ratio | 29.75% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +21.75 pp | $68.3M | capital that could be lost first |
Total risk-based capital ratio 30.73% +20.73 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 | $96.5M | 96,500 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $314.0M | 314,007 | RCOAA223 |
| Recomputed ratio | 30.73% | numerator / denominator | |
| Filed ratio | 30.73% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +20.73 pp | $65.1M | capital that could be lost first |
Tier 1 leverage ratio 12.28% +7.28 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 | $93.4M | 93,406 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $760.6M | 760,601 | RCOAA224 |
| Recomputed ratio | 12.28% | numerator / denominator | |
| Filed ratio | 12.28% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.28 pp | $55.4M | 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 | 26,000 | 26,000 | 26,000 | 26,000 | 26,000 | 26,000 | RCOAP742 |
| Retained earnings | 74,500 | 70,981 | 67,752 | 64,312 | 90,320 | 86,881 | RCOAKW00 |
| Accumulated other comprehensive income | (21,578) | (20,059) | (18,203) | (19,423) | (22,379) | (25,246) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 78,922 | 76,922 | 75,549 | 70,889 | 93,941 | 87,635 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 14,484 | 12,965 | 11,109 | 12,329 | 15,285 | 18,152 | P859 - P840 |
| Common equity Tier 1 capital | 93,406 | 89,887 | 86,658 | 83,218 | 109,226 | 105,787 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 93,406 | 89,887 | 86,658 | 83,218 | 109,226 | 105,787 | RCOA8274 |
| Tier 2 capital | 3,094 | 2,959 | 2,857 | 2,933 | 3,103 | 3,049 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,094 | 2,959 | 2,857 | 2,933 | 3,103 | 3,049 | RCOA5310 |
| Total capital | 96,500 | 92,846 | 89,515 | 86,151 | 112,329 | 108,836 | RCOA3792 |
| Total risk-weighted assets | 314,007 | 290,618 | 273,994 | 277,963 | 282,186 | 274,348 | RCOAA223 |
| Average total assets for the leverage ratio | 760,601 | 746,353 | 750,979 | 776,505 | 774,560 | 762,749 | 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 | $5.2M | $455K | 8.68% | 0.14% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $556.8M | $93.8M | 16.84% | 29.86% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $204K | $41K | 20.00% | 0.01% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $43.5M | $40.9M | 94.11% | 13.04% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $10.1M | $15.2M | 150.00% | 4.85% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $18K | $18K | 100.00% | 0.01% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $141.4M | $116.9M | 82.62% | 37.21% | RC-R Part II, item 4.d, 5.d |
| All other assets | $22.2M | $20.5M | 92.09% | 6.52% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $20.1M | $19.6M | 97.44% | 6.25% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $6.6M | NA | 2.11% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $307.4M | ties to item 31 ($307.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $314.0M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $314.0M | 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 | 29.75% | 29.75% | 30.73% | 12.28% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 30.93% | 30.93% | 31.95% | 12.04% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 31.63% | 31.63% | 32.67% | 11.54% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 29.94% | 29.94% | 30.99% | 10.72% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 38.71% | 38.71% | 39.81% | 14.10% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 38.56% | 38.56% | 39.67% | 13.87% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 37.50% | 37.50% | 38.56% | 13.53% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 37.04% | 37.04% | 38.23% | 13.32% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 38.65% | 38.65% | 39.87% | 14.57% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 37.69% | 37.69% | 38.83% | 14.76% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 36.57% | 36.57% | 37.82% | 14.50% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 41.25% | 41.25% | 42.46% | 15.98% | 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 |
|---|---|---|---|---|---|---|
| Commerce Bank (this bank) | Risk-based | 29.75% | 29.75% | 30.73% | 12.28% | |
| Bac Community Bank | $761.9M | Risk-based | 16.60% | 16.60% | 17.85% | 11.44% |
| First State Bank | $761.7M | CBLR | NA | NA | NA | 11.44% |
| Optus Bank | $764.2M | Risk-based | 19.52% | 19.52% | 20.01% | 12.99% |
| Green Belt Bank & Trust | $758.7M | Risk-based | 10.13% | 10.13% | 11.38% | 9.18% |
| West Plains Bank and Trust Company | $767.9M | Risk-based | 11.06% | 11.06% | 11.91% | 8.32% |
| Liberty Capital Bank | $767.9M | Risk-based | 12.55% | 12.55% | 13.70% | 10.89% |
| Midwest Heritage Bank, FSB | $768.3M | Risk-based | 14.55% | 14.55% | 15.81% | 12.82% |
| Sage Capital Bank | $768.9M | Risk-based | 14.63% | 14.63% | 15.73% | 10.38% |
| Peer 25th percentile | 11.80% | 11.80% | 12.80% | 10.08% | ||
| Peer median | 14.55% | 14.55% | 15.73% | 11.16% | ||
| Peer 75th percentile | 15.62% | 15.62% | 16.83% | 11.79% | ||
| This bank's percentile | 100 | 100 | 100 | 75 |
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/625159/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.