Community Resource Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.22% (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: 7.22% (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 13.97% +7.47 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 | $59.8M | 59,783 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $427.9M | 427,945 | RCOAA223 |
| Recomputed ratio | 13.97% | numerator / denominator | |
| Filed ratio | 13.97% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.47 pp | $32.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.97% +5.97 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 | $59.8M | 59,783 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $427.9M | 427,945 | RCOAA223 |
| Recomputed ratio | 13.97% | numerator / denominator | |
| Filed ratio | 13.97% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.97 pp | $25.5M | capital that could be lost first |
Total risk-based capital ratio 15.22% +5.22 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 | $65.1M | 65,134 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $427.9M | 427,945 | RCOAA223 |
| Recomputed ratio | 15.22% | numerator / denominator | |
| Filed ratio | 15.22% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.22 pp | $22.3M | capital that could be lost first |
Tier 1 leverage ratio 10.52% +5.52 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 | $59.8M | 59,783 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $568.5M | 568,544 | RCOAA224 |
| Recomputed ratio | 10.52% | numerator / denominator | |
| Filed ratio | 10.52% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.52 pp | $31.4M | 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 | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 | 32,500 | RCOAP742 |
| Retained earnings | 17,233 | 16,880 | 15,855 | 14,159 | 13,014 | 8,830 | RCOAKW00 |
| Accumulated other comprehensive income | (3,509) | (3,479) | (3,092) | (3,194) | (4,093) | (2,379) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 63,724 | 63,401 | 62,763 | 60,965 | 58,921 | 38,951 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (3,941) | (3,971) | (4,358) | (4,256) | (3,357) | (1,445) | P859 - P840 |
| Common equity Tier 1 capital | 59,783 | 59,430 | 58,405 | 56,709 | 55,564 | 37,506 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 59,783 | 59,430 | 58,405 | 56,709 | 55,564 | 37,506 | RCOA8274 |
| Tier 2 capital | 5,351 | 5,278 | 5,219 | 5,000 | 5,086 | 4,031 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,351 | 5,278 | 5,219 | 5,000 | 5,086 | 4,031 | RCOA5310 |
| Total capital | 65,134 | 64,708 | 63,624 | 61,709 | 60,650 | 41,537 | RCOA3792 |
| Total risk-weighted assets | 427,945 | 421,628 | 416,966 | 399,227 | 406,606 | 322,320 | RCOAA223 |
| Average total assets for the leverage ratio | 568,544 | 572,160 | 543,565 | 541,784 | 543,688 | 381,642 | 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 | $13.1M | $752K | 5.74% | 0.18% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $108.3M | $19.3M | 17.78% | 4.50% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $11K | $2K | 20.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $98.3M | $57.4M | 58.38% | 13.40% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $5.2M | $7.8M | 150.00% | 1.83% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $4.5M | $6.8M | 150.00% | 1.58% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $307.6M | $304.2M | 98.88% | 71.06% | RC-R Part II, item 4.d, 5.d |
| All other assets | $22.3M | $20.8M | 93.39% | 4.86% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $11.1M | $11.1M | 100.00% | 2.59% | 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 | $428.1M | ties to item 31 ($428.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $428.1M | RCONB704 |
| Less: excess allowance for credit losses | $137K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $427.9M | 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 | 13.97% | 13.97% | 15.22% | 10.52% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.10% | 14.10% | 15.35% | 10.39% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.01% | 14.01% | 15.26% | 10.74% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.20% | 14.20% | 15.46% | 10.47% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.67% | 13.67% | 14.92% | 10.22% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.64% | 11.64% | 12.89% | 9.83% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.73% | 11.73% | 12.98% | 9.74% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.29% | 12.29% | 13.55% | 10.12% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.32% | 12.32% | 13.58% | 9.96% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.18% | 12.18% | 13.44% | 9.76% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.49% | 12.49% | 13.74% | 9.83% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.27% | 12.27% | 13.52% | 9.42% | 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 Resource Bank (this bank) | Risk-based | 13.97% | 13.97% | 15.22% | 10.52% | |
| Mountain Valley Bank | $556.5M | CBLR | NA | NA | NA | 10.51% |
| Sunmark Community Bank | $556.6M | CBLR | NA | NA | NA | 14.61% |
| Texas Traditions Bank | $555.9M | CBLR | NA | NA | NA | 9.39% |
| Chickasaw Community Bank | $557.1M | Risk-based | 19.98% | 19.98% | 21.24% | 11.03% |
| Security Savings Bank | $557.4M | Risk-based | 10.27% | 10.27% | 11.15% | 9.38% |
| Northwestern Mutual Wealth Management Company | $557.7M | CBLR | NA | NA | NA | 54.95% |
| Nave Bank | $555.0M | Risk-based | 24.87% | 24.87% | 25.83% | 13.84% |
| Central State Bank | $557.8M | CBLR | NA | NA | NA | 10.43% |
| First State Bank | $558.1M | CBLR | NA | NA | NA | 9.80% |
| First Pryority Bank | $558.1M | CBLR | NA | NA | NA | 10.55% |
| Peer 25th percentile | 15.13% | 15.13% | 16.19% | 9.96% | ||
| Peer median | 19.98% | 19.98% | 21.24% | 10.53% | ||
| Peer 75th percentile | 22.43% | 22.43% | 23.53% | 13.13% | ||
| This bank's percentile | 33 | 33 | 33 | 50 |
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/813853/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.