Community Bank of Raymore: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 12.58% (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: 12.58% (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 20.21% +13.71 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 | $36.3M | 36,333 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $179.8M | 179,759 | RCOAA223 |
| Recomputed ratio | 20.21% | numerator / denominator | |
| Filed ratio | 20.21% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +13.71 pp | $24.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 20.21% +12.21 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 | $36.3M | 36,333 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $179.8M | 179,759 | RCOAA223 |
| Recomputed ratio | 20.21% | numerator / denominator | |
| Filed ratio | 20.21% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +12.21 pp | $22.0M | capital that could be lost first |
Total risk-based capital ratio 20.58% +10.58 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 | $37.0M | 37,000 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $179.8M | 179,759 | RCOAA223 |
| Recomputed ratio | 20.58% | numerator / denominator | |
| Filed ratio | 20.58% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +10.58 pp | $19.0M | capital that could be lost first |
Tier 1 leverage ratio 9.70% +4.70 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 | $36.3M | 36,333 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $374.7M | 374,732 | RCOAA224 |
| Recomputed ratio | 9.70% | numerator / denominator | |
| Filed ratio | 9.70% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.70 pp | $17.6M | 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 | 6,225 | 6,225 | 6,225 | 6,225 | 6,225 | 6,225 | RCOAP742 |
| Retained earnings | 30,164 | 29,345 | 28,672 | 28,090 | 27,294 | 28,019 | RCOAKW00 |
| Accumulated other comprehensive income | (22,523) | (21,842) | (21,254) | (22,184) | (27,494) | (27,727) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 13,866 | 13,728 | 13,643 | 12,131 | 6,025 | 6,517 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 22,467 | 21,786 | 21,198 | 22,128 | 27,438 | 27,671 | P859 - P840 |
| Common equity Tier 1 capital | 36,333 | 35,514 | 34,841 | 34,259 | 33,463 | 34,188 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 36,333 | 35,514 | 34,841 | 34,259 | 33,463 | 34,188 | RCOA8274 |
| Tier 2 capital | 667 | 670 | 667 | 689 | 729 | 989 | RCOA5311 |
| Allowance includable in Tier 2 capital | 667 | 670 | 667 | 689 | 729 | 989 | RCOA5310 |
| Total capital | 37,000 | 36,184 | 35,508 | 34,948 | 34,192 | 35,177 | RCOA3792 |
| Total risk-weighted assets | 179,759 | 172,663 | 130,606 | 143,814 | 132,043 | 176,581 | RCOAA223 |
| Average total assets for the leverage ratio | 374,732 | 371,919 | 358,096 | 366,087 | 375,096 | 373,704 | 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 | $19.9M | $594K | 2.99% | 0.33% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $212.8M | $43.7M | 20.53% | 24.30% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $10.3M | $6.1M | 59.48% | 3.40% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $60K | $60K | 100.00% | 0.03% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $115.7M | $115.4M | 99.80% | 64.22% | RC-R Part II, item 4.d, 5.d |
| All other assets | $11.2M | $10.5M | 94.10% | 5.87% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $3.3M | $3.3M | 100.00% | 1.84% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $700 | 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 | $179.8M | ties to item 31 ($179.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $179.8M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $179.8M | 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 | 20.21% | 20.21% | 20.58% | 9.70% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 20.57% | 20.57% | 20.96% | 9.55% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 26.68% | 26.68% | 27.19% | 9.73% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 23.82% | 23.82% | 24.30% | 9.36% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 25.34% | 25.34% | 25.89% | 8.92% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 19.36% | 19.36% | 19.92% | 9.15% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 21.27% | 21.27% | 21.92% | 8.89% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 20.63% | 20.63% | 21.29% | 8.82% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 19.94% | 19.94% | 20.59% | 9.20% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 19.91% | 19.91% | 20.71% | 8.81% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 18.26% | 18.26% | 19.13% | 9.10% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 18.46% | 18.46% | 19.45% | 8.78% | 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 Raymore (this bank) | Risk-based | 20.21% | 20.21% | 20.58% | 9.70% | |
| First Southern Bank | $347.2M | Risk-based | 14.87% | 14.87% | 15.76% | 10.92% |
| Kerndt Brothers Savings Bank | $347.2M | CBLR | NA | NA | NA | 10.88% |
| Ozona Bank | $346.1M | Risk-based | 20.11% | 20.11% | 21.13% | 12.31% |
| Heritage Community Bank | $347.8M | Risk-based | 9.39% | 9.39% | 10.64% | 8.30% |
| Community State Bank | $345.8M | CBLR | NA | NA | NA | 10.47% |
| Citizens Deposit Bank of Arlington, Inc. | $348.2M | CBLR | NA | NA | NA | 13.66% |
| Waumandee State Bank | $345.5M | Risk-based | 13.75% | 13.75% | 15.00% | 9.39% |
| First National Community Bank | $345.3M | Risk-based | 13.17% | 13.17% | 14.19% | 9.38% |
| Goppert State Service Bank | $345.3M | CBLR | NA | NA | NA | 9.28% |
| Peer 25th percentile | 13.17% | 13.17% | 14.19% | 9.38% | ||
| Peer median | 13.75% | 13.75% | 15.00% | 10.47% | ||
| Peer 75th percentile | 14.87% | 14.87% | 15.76% | 10.92% | ||
| This bank's percentile | 100 | 100 | 80 | 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/716851/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.