Continental Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 12.72% (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: 12.72% (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 19.47% +12.97 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 | $29.4M | 29,442 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $151.2M | 151,220 | RCOAA223 |
| Recomputed ratio | 19.47% | numerator / denominator | |
| Filed ratio | 19.47% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +12.97 pp | $19.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 19.47% +11.47 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 | $29.4M | 29,442 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $151.2M | 151,220 | RCOAA223 |
| Recomputed ratio | 19.47% | numerator / denominator | |
| Filed ratio | 19.47% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +11.47 pp | $17.3M | capital that could be lost first |
Total risk-based capital ratio 20.72% +10.72 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 | $31.3M | 31,338 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $151.2M | 151,220 | RCOAA223 |
| Recomputed ratio | 20.72% | numerator / denominator | |
| Filed ratio | 20.72% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +10.72 pp | $16.2M | capital that could be lost first |
Tier 1 leverage ratio 16.16% +11.16 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 | $29.4M | 29,442 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $182.2M | 182,200 | RCOAA224 |
| Recomputed ratio | 16.16% | numerator / denominator | |
| Filed ratio | 16.16% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +11.16 pp | $20.3M | 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 | 13,906 | 13,863 | 13,819 | 13,762 | 13,631 | 13,576 | RCOAP742 |
| Retained earnings | 15,536 | 14,635 | 13,785 | 13,779 | 13,731 | 13,509 | RCOAKW00 |
| Accumulated other comprehensive income | 33 | 38 | 43 | 75 | 60 | 84 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 29,475 | 28,536 | 27,647 | 27,616 | 27,422 | 27,169 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (33) | (38) | (43) | (75) | (60) | (84) | P859 - P840 |
| Common equity Tier 1 capital | 29,442 | 28,498 | 27,604 | 27,541 | 27,362 | 27,085 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 29,442 | 28,498 | 27,604 | 27,541 | 27,362 | 27,085 | RCOA8274 |
| Tier 2 capital | 1,896 | 1,903 | 1,926 | 1,995 | 2,148 | 2,149 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,896 | 1,903 | 1,926 | 1,995 | 2,148 | 2,149 | RCOA5310 |
| Total capital | 31,338 | 30,401 | 29,530 | 29,536 | 29,510 | 29,234 | RCOA3792 |
| Total risk-weighted assets | 151,220 | 151,355 | 153,310 | 158,392 | 170,526 | 170,777 | RCOAA223 |
| Average total assets for the leverage ratio | 182,200 | 183,099 | 189,634 | 192,260 | 196,310 | 183,023 | 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 | $2.5M | $11K | 0.44% | 0.01% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $14.4M | $2.6M | 18.28% | 1.74% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $17.2M | $0 | 0.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: all other | $146.2M | $141.6M | 96.86% | 93.35% | RC-R Part II, item 4.d, 5.d |
| All other assets | $3.9M | $3.9M | 100.00% | 2.58% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $3.5M | $3.5M | 100.00% | 2.33% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $500 | 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 | $151.7M | ties to item 31 ($151.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $151.7M | RCONB704 |
| Less: excess allowance for credit losses | $473K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $151.2M | 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 | 19.47% | 19.47% | 20.72% | 16.16% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 18.83% | 18.83% | 20.09% | 15.56% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 18.01% | 18.01% | 19.26% | 14.56% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 17.39% | 17.39% | 18.65% | 14.32% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 16.05% | 16.05% | 17.31% | 13.94% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.86% | 15.86% | 17.12% | 14.80% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.35% | 15.35% | 16.60% | 14.33% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 17.48% | 17.48% | 18.75% | 15.88% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 16.73% | 16.73% | 17.99% | 16.20% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 16.29% | 16.29% | 17.56% | 15.32% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.58% | 15.58% | 16.85% | 14.03% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 17.54% | 17.54% | 18.81% | 16.67% | 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 |
|---|---|---|---|---|---|---|
| Continental Bank (this bank) | Risk-based | 19.47% | 19.47% | 20.72% | 16.16% | |
| First National Bank of Nokomis | $181.9M | Risk-based | 18.34% | 18.34% | 19.54% | 10.89% |
| Union Savings Bank | $182.0M | Risk-based | 15.59% | 15.59% | 16.42% | 9.52% |
| St. Ansgar State Bank | $182.0M | CBLR | NA | NA | NA | 9.74% |
| 42 North Private Bank | $182.2M | Risk-based | 12.12% | 12.12% | 13.37% | 7.72% |
| Foundation One Bank | $182.2M | CBLR | NA | NA | NA | 9.83% |
| First National Bank of Bosque County | $182.3M | Risk-based | 18.80% | 18.80% | 20.06% | 12.79% |
| F&M Bank and Trust Company | $182.4M | Risk-based | 15.38% | 15.38% | 16.47% | 10.20% |
| Peoples State Bank | $181.2M | Risk-based | 18.62% | 18.62% | 19.65% | 10.66% |
| First Federal Bank, a FSB | $182.6M | Risk-based | 12.44% | 12.44% | 13.66% | 7.82% |
| Danville State Savings Bank | $182.6M | CBLR | NA | NA | NA | 12.38% |
| Peer 25th percentile | 13.91% | 13.91% | 15.04% | 9.58% | ||
| Peer median | 15.59% | 15.59% | 16.47% | 10.02% | ||
| Peer 75th percentile | 18.48% | 18.48% | 19.60% | 10.84% | ||
| This bank's percentile | 100 | 100 | 100 | 100 |
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/3220863/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.