ConnectOne Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.20% (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: 5.20% (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 12.31% +5.81 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 | $1.51B | 1,514,576 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $12.30B | 12,303,423 | RCOAA223 |
| Recomputed ratio | 12.31% | numerator / denominator | |
| Filed ratio | 12.31% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.81 pp | $714.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.31% +4.31 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 | $1.51B | 1,514,576 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $12.30B | 12,303,423 | RCOAA223 |
| Recomputed ratio | 12.31% | numerator / denominator | |
| Filed ratio | 12.31% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.31 pp | $530.3M | capital that could be lost first |
Total risk-based capital ratio 13.20% +3.20 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 | $1.62B | 1,623,811 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $12.30B | 12,303,423 | RCOAA223 |
| Recomputed ratio | 13.20% | numerator / denominator | |
| Filed ratio | 13.20% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.20 pp | $393.5M | capital that could be lost first |
Tier 1 leverage ratio 10.81% +5.81 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 | $1.51B | 1,514,576 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $14.02B | 14,015,661 | RCOAA224 |
| Recomputed ratio | 10.81% | numerator / denominator | |
| Filed ratio | 10.81% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.81 pp | $813.8M | 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 | 1,052,916 | 1,051,486 | 1,051,990 | 1,051,162 | 1,049,956 | 679,778 | RCOAP742 |
| Retained earnings | 747,175 | 723,155 | 691,807 | 666,373 | 631,697 | 657,408 | RCOAKW00 |
| Accumulated other comprehensive income | (34,848) | (38,049) | (31,896) | (37,110) | (47,405) | (48,090) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,765,243 | 1,736,592 | 1,711,901 | 1,680,425 | 1,634,248 | 1,289,096 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (250,667) | (250,311) | (259,309) | (249,914) | (237,204) | (167,325) | P859 - P840 |
| Common equity Tier 1 capital | 1,514,576 | 1,486,281 | 1,452,592 | 1,430,511 | 1,397,044 | 1,121,771 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 1,514,576 | 1,486,281 | 1,452,592 | 1,430,511 | 1,397,044 | 1,121,771 | RCOA8274 |
| Tier 2 capital | 109,235 | 118,300 | 114,078 | 116,555 | 116,191 | 85,239 | RCOA5311 |
| Allowance includable in Tier 2 capital | 109,235 | 118,300 | 114,078 | 116,555 | 116,191 | 85,239 | RCOA5310 |
| Total capital | 1,623,811 | 1,604,581 | 1,566,670 | 1,547,066 | 1,513,235 | 1,207,010 | RCOA3792 |
| Total risk-weighted assets | 12,303,423 | 12,037,896 | 11,752,964 | 11,566,556 | 11,432,194 | 8,752,219 | RCOAA223 |
| Average total assets for the leverage ratio | 14,015,661 | 13,745,200 | 13,713,074 | 13,820,361 | 10,906,029 | 9,615,279 | 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 | $362.3M | $18.9M | 5.21% | 0.15% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.26B | $165.3M | 13.16% | 1.34% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $2.74B | $1.40B | 51.17% | 11.38% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $75.5M | $113.2M | 150.00% | 0.92% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $9.06B | $9.06B | 99.99% | 73.60% | RC-R Part II, item 4.d, 5.d |
| All other assets | $785.6M | $739.6M | 94.14% | 6.01% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $792.0M | $771.1M | 97.36% | 6.27% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $22.1M | $8.8M | 39.61% | 0.07% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $30.4M | NA | 0.25% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $12.27B | ties to item 31 ($12.27B) |
|---|---|---|
| Risk-weighted assets before deductions | $12.30B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $12.30B | 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 | 12.31% | 12.31% | 13.20% | 10.81% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 12.35% | 12.35% | 13.33% | 10.81% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 12.36% | 12.36% | 13.33% | 10.59% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 12.37% | 12.37% | 13.38% | 10.35% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 12.22% | 12.22% | 13.24% | 12.81% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 12.82% | 12.82% | 13.79% | 11.67% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 12.63% | 12.63% | 13.60% | 11.66% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 12.79% | 12.79% | 13.77% | 11.43% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 12.60% | 12.60% | 13.58% | 11.29% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 12.43% | 12.43% | 13.41% | 11.10% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 12.31% | 12.31% | 13.28% | 11.20% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 12.38% | 12.38% | 13.43% | 11.23% | 12.66% | 12.67% | 13.78% | 9.78% |
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 |
|---|---|---|---|---|---|---|
| ConnectOne Bank (this bank) | Risk-based | 12.31% | 12.31% | 13.20% | 10.81% | |
| Israel Discount Bank of New York | $14.39B | Risk-based | 14.38% | 14.38% | 15.27% | 11.01% |
| Stifel Bank | $14.62B | Risk-based | 10.65% | 10.65% | 11.24% | 7.06% |
| NexBank | $14.16B | Risk-based | 14.92% | 14.92% | 15.39% | 9.07% |
| Bank of America California, N.A. | $14.81B | Risk-based | 39.00% | 39.00% | 39.28% | 12.41% |
| Comenity Capital Bank | $13.86B | Risk-based | 12.52% | 14.24% | 17.65% | 12.84% |
| BMW Bank of North America | $13.80B | Risk-based | 13.65% | 13.65% | 14.03% | 13.24% |
| Popular Bank | $15.03B | Risk-based | 14.32% | 14.32% | 15.14% | 11.80% |
| Dime Commercial Bank | $15.03B | Risk-based | 14.76% | 14.76% | 15.77% | 10.67% |
| Bell Bank | $15.18B | Risk-based | 11.33% | 11.33% | 12.42% | 9.98% |
| Peer 25th percentile | 12.52% | 13.65% | 14.03% | 9.98% | ||
| Peer median | 14.32% | 14.32% | 15.27% | 11.01% | ||
| Peer 75th percentile | 14.76% | 14.76% | 15.77% | 12.41% | ||
| This bank's percentile | 22 | 22 | 22 | 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/3317932/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.