Community Bank of Cameron: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.67% (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: 6.67% (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 13.42% +6.92 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 | $20.0M | 20,013 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $149.1M | 149,145 | RCOAA223 |
| Recomputed ratio | 13.42% | numerator / denominator | |
| Filed ratio | 13.42% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.92 pp | $10.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.42% +5.42 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 | $20.0M | 20,013 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $149.1M | 149,145 | RCOAA223 |
| Recomputed ratio | 13.42% | numerator / denominator | |
| Filed ratio | 13.42% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.42 pp | $8.1M | capital that could be lost first |
Total risk-based capital ratio 14.67% +4.67 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 | $21.9M | 21,878 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $149.1M | 149,145 | RCOAA223 |
| Recomputed ratio | 14.67% | numerator / denominator | |
| Filed ratio | 14.67% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.67 pp | $7.0M | capital that could be lost first |
Tier 1 leverage ratio 9.00% +4.00 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 | $20.0M | 20,013 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $222.5M | 222,460 | RCOAA224 |
| Recomputed ratio | 9.00% | numerator / denominator | |
| Filed ratio | 9.00% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.00 pp | $8.9M | 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 | 3,780 | 3,780 | 3,780 | 3,780 | 3,780 | 3,780 | RCOAP742 |
| Retained earnings | 16,233 | 15,780 | 14,946 | 15,542 | 14,734 | 14,030 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 20,013 | 19,560 | 18,726 | 19,322 | 18,514 | 17,810 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 0 | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 20,013 | 19,560 | 18,726 | 19,322 | 18,514 | 17,810 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 20,013 | 19,560 | 18,726 | 19,322 | 18,514 | 17,810 | RCOA8274 |
| Tier 2 capital | 1,865 | 1,843 | 1,832 | 1,843 | 1,781 | 1,714 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,865 | 1,843 | 1,832 | 1,843 | 1,781 | 1,714 | RCOA5310 |
| Total capital | 21,878 | 21,403 | 20,558 | 21,165 | 20,295 | 19,524 | RCOA3792 |
| Total risk-weighted assets | 149,145 | 147,249 | 146,431 | 147,336 | 142,237 | 136,962 | RCOAA223 |
| Average total assets for the leverage ratio | 222,460 | 223,824 | 220,697 | 221,489 | 215,409 | 206,285 | 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 | $12.5M | $108K | 0.87% | 0.07% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $46.4M | $17.4M | 37.58% | 11.69% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $3.2M | $1.6M | 50.00% | 1.08% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $102.9M | $51.6M | 50.16% | 34.59% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $7.1M | $10.7M | 150.00% | 7.14% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $131K | $196K | 150.00% | 0.13% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $47.2M | $44.9M | 95.16% | 30.11% | RC-R Part II, item 4.d, 5.d |
| All other assets | $9.2M | $8.3M | 90.44% | 5.57% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $281K | $3.5M | 1250.00% | 2.35% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $11.1M | $10.8M | 97.46% | 7.26% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $2K | 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 | $149.2M | does not tie to item 31 ($149.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $149.2M | RCONB704 |
| Less: excess allowance for credit losses | $69K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $149.1M | 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 | 13.42% | 13.42% | 14.67% | 9.00% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.28% | 13.28% | 14.54% | 8.74% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.79% | 12.79% | 14.04% | 8.48% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.11% | 13.11% | 14.37% | 8.72% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.02% | 13.02% | 14.27% | 8.59% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.00% | 13.00% | 14.26% | 8.63% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.36% | 12.36% | 13.61% | 8.38% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.69% | 12.69% | 13.94% | 8.63% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.64% | 12.64% | 13.89% | 8.81% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.80% | 12.80% | 14.05% | 8.74% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.23% | 12.23% | 13.36% | 8.57% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.23% | 12.23% | 13.37% | 8.53% | 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 |
|---|---|---|---|---|---|---|
| Community Bank of Cameron (this bank) | Risk-based | 13.42% | 13.42% | 14.67% | 9.00% | |
| Eagle Bank | $226.9M | Risk-based | 22.37% | 22.37% | 23.62% | 14.35% |
| Muenster State Bank | $227.0M | CBLR | NA | NA | NA | 14.78% |
| Stockgrowers State Bank | $227.1M | CBLR | NA | NA | NA | 14.13% |
| First Farmers and Commercial Bank | $226.4M | Risk-based | 14.54% | 14.54% | 15.80% | 9.86% |
| Charter Bank | $227.5M | CBLR | NA | NA | NA | 11.03% |
| First Security Bank and Trust Company | $226.0M | CBLR | NA | NA | NA | 10.09% |
| Embassy National Bank | $227.9M | Risk-based | 13.64% | 13.64% | 14.77% | 10.95% |
| Peer 25th percentile | 14.09% | 14.09% | 15.28% | 10.52% | ||
| Peer median | 14.54% | 14.54% | 15.80% | 11.03% | ||
| Peer 75th percentile | 18.46% | 18.46% | 19.71% | 14.24% | ||
| This bank's percentile | 0 | 0 | 0 | 0 |
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/385350/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.