The Commercial National Bank of Brady: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.35% (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: 6.35% (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 13.18% +6.68 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 | $42.5M | 42,505 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $322.6M | 322,568 | RCOAA223 |
| Recomputed ratio | 13.18% | numerator / denominator | |
| Filed ratio | 13.18% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.68 pp | $21.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.18% +5.18 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 | $42.5M | 42,505 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $322.6M | 322,568 | RCOAA223 |
| Recomputed ratio | 13.18% | numerator / denominator | |
| Filed ratio | 13.18% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.18 pp | $16.7M | capital that could be lost first |
Total risk-based capital ratio 14.35% +4.35 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 | $46.3M | 46,294 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $322.6M | 322,568 | RCOAA223 |
| Recomputed ratio | 14.35% | numerator / denominator | |
| Filed ratio | 14.35% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.35 pp | $14.0M | capital that could be lost first |
Tier 1 leverage ratio 10.24% +5.24 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 | $42.5M | 42,505 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $415.1M | 415,115 | RCOAA224 |
| Recomputed ratio | 10.24% | numerator / denominator | |
| Filed ratio | 10.24% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.24 pp | $21.7M | 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 | 860 | 860 | 860 | 860 | 860 | 860 | RCOAP742 |
| Retained earnings | 41,879 | 39,810 | 37,524 | 38,006 | 35,334 | 32,569 | RCOAKW00 |
| Accumulated other comprehensive income | (3,868) | (3,995) | (4,985) | (5,142) | (6,277) | (6,263) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 38,871 | 36,675 | 33,399 | 33,724 | 29,917 | 27,166 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,634 | 3,751 | 4,731 | 4,878 | 6,004 | 5,980 | P859 - P840 |
| Common equity Tier 1 capital | 42,505 | 40,426 | 38,130 | 38,602 | 35,921 | 33,146 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 42,505 | 40,426 | 38,130 | 38,602 | 35,921 | 33,146 | RCOA8274 |
| Tier 2 capital | 3,789 | 3,674 | 3,554 | 3,438 | 3,343 | 3,220 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,789 | 3,674 | 3,554 | 3,438 | 3,343 | 3,220 | RCOA5310 |
| Total capital | 46,294 | 44,100 | 41,684 | 42,040 | 39,264 | 36,366 | RCOA3792 |
| Total risk-weighted assets | 322,568 | 300,458 | 302,350 | 300,960 | 291,369 | 264,141 | RCOAA223 |
| Average total assets for the leverage ratio | 415,115 | 392,390 | 387,547 | 379,732 | 350,491 | 330,252 | 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 | $37.6M | $1.3M | 3.53% | 0.41% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $41.9M | $6.8M | 16.18% | 2.10% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $81.2M | $41.4M | 50.99% | 12.83% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $8K | $12K | 150.00% | 0.00% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $248.6M | $244.5M | 98.32% | 75.79% | RC-R Part II, item 4.d, 5.d |
| All other assets | $24.5M | $23.1M | 94.25% | 7.16% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $5.7M | $5.5M | 96.69% | 1.70% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $200 | 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 | $322.6M | ties to item 31 ($322.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $322.6M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $322.6M | 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 | 13.18% | 13.18% | 14.35% | 10.24% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.45% | 13.45% | 14.68% | 10.30% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.61% | 12.61% | 13.79% | 9.84% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.83% | 12.83% | 13.97% | 10.17% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.33% | 12.33% | 13.48% | 10.25% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.55% | 12.55% | 13.77% | 10.04% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.42% | 12.42% | 13.66% | 9.71% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.66% | 12.66% | 13.91% | 9.31% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.80% | 11.80% | 13.04% | 8.80% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.42% | 12.42% | 13.67% | 9.04% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.24% | 11.24% | 12.40% | 8.82% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.73% | 11.73% | 12.92% | 9.02% | 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 |
|---|---|---|---|---|---|---|
| The Commercial National Bank of Brady (this bank) | Risk-based | 13.18% | 13.18% | 14.35% | 10.24% | |
| Texas State Bank | $425.5M | CBLR | NA | NA | NA | 13.58% |
| Marion Center Bank | $425.2M | Risk-based | 12.03% | 12.03% | 13.11% | 7.91% |
| Winnsboro State Bank & Trust Company | $425.7M | CBLR | NA | NA | NA | 10.85% |
| Centinel Bank of Taos | $424.8M | Risk-based | 22.69% | 22.69% | 23.67% | 9.22% |
| Sugar River Bank | $424.3M | CBLR | NA | NA | NA | 14.13% |
| First State Bank | $424.2M | CBLR | NA | NA | NA | 9.83% |
| Bank of Mauston | $426.7M | CBLR | NA | NA | NA | 14.75% |
| Heritage Bank of the Ozarks | $424.0M | CBLR | NA | NA | NA | 9.64% |
| The Lamesa National Bank | $426.8M | Risk-based | 41.91% | 41.91% | 43.16% | 11.95% |
| Waukon State Bank | $426.9M | CBLR | NA | NA | NA | 10.44% |
| Peer 25th percentile | 17.36% | 17.36% | 18.39% | 9.69% | ||
| Peer median | 22.69% | 22.69% | 23.67% | 10.65% | ||
| Peer 75th percentile | 32.30% | 32.30% | 33.41% | 13.17% | ||
| This bank's percentile | 33 | 33 | 33 | 40 |
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/42354/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.