The Converse County Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 20.45% (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: 20.45% (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 27.51% +21.01 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 | $104.7M | 104,668 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $380.5M | 380,518 | RCOAA223 |
| Recomputed ratio | 27.51% | numerator / denominator | |
| Filed ratio | 27.51% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +21.01 pp | $79.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 27.51% +19.51 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 | $104.7M | 104,668 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $380.5M | 380,518 | RCOAA223 |
| Recomputed ratio | 27.51% | numerator / denominator | |
| Filed ratio | 27.51% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +19.51 pp | $74.2M | capital that could be lost first |
Total risk-based capital ratio 28.45% +18.45 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 | $108.2M | 108,239 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $380.5M | 380,518 | RCOAA223 |
| Recomputed ratio | 28.45% | numerator / denominator | |
| Filed ratio | 28.45% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +18.45 pp | $70.2M | capital that could be lost first |
Tier 1 leverage ratio 9.57% +4.57 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 | $104.7M | 104,668 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.09B | 1,093,336 | RCOAA224 |
| Recomputed ratio | 9.57% | numerator / denominator | |
| Filed ratio | 9.57% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.57 pp | $50.0M | 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 | 9,600 | 9,600 | 9,600 | 9,601 | 9,600 | 9,600 | RCOAP742 |
| Retained earnings | 95,068 | 93,847 | 90,719 | 91,199 | 89,053 | 88,310 | RCOAKW00 |
| Accumulated other comprehensive income | 115 | (810) | (395) | (1,450) | (2,352) | (1,058) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 104,783 | 102,637 | 99,924 | 99,350 | 96,301 | 96,852 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (115) | 810 | 395 | 1,450 | 2,352 | 1,058 | P859 - P840 |
| Common equity Tier 1 capital | 104,668 | 103,447 | 100,319 | 100,800 | 98,653 | 97,910 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 104,668 | 103,447 | 100,319 | 100,800 | 98,653 | 97,910 | RCOA8274 |
| Tier 2 capital | 3,571 | 3,459 | 3,288 | 4,313 | 4,252 | 4,181 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,571 | 3,459 | 3,288 | 4,313 | 4,252 | 4,181 | RCOA5310 |
| Total capital | 108,239 | 106,906 | 103,607 | 105,113 | 102,905 | 102,091 | RCOA3792 |
| Total risk-weighted assets | 380,518 | 376,507 | 369,360 | 365,096 | 362,603 | 346,847 | RCOAA223 |
| Average total assets for the leverage ratio | 1,093,336 | 1,072,432 | 1,070,663 | 1,033,665 | 1,029,059 | 987,644 | 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 | $215.1M | $7K | 0.00% | 0.00% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $559.9M | $86.0M | 15.36% | 22.60% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $57.5M | $29.7M | 51.58% | 7.79% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $251.8M | $239.1M | 94.95% | 62.82% | RC-R Part II, item 4.d, 5.d |
| All other assets | $11.6M | $5.8M | 49.94% | 1.53% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $17.4M | $17.4M | 100.00% | 4.56% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $2.6M | NA | 0.69% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $377.9M | does not tie to item 31 ($380.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $380.5M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $380.5M | 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 | 27.51% | 27.51% | 28.45% | 9.57% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 27.48% | 27.48% | 28.39% | 9.65% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 27.16% | 27.16% | 28.05% | 9.37% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 27.61% | 27.61% | 28.79% | 9.75% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 27.21% | 27.21% | 28.38% | 9.59% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 28.23% | 28.23% | 29.43% | 9.91% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 23.45% | 23.45% | 24.46% | 9.83% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 27.57% | 27.57% | 28.74% | 9.88% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 27.03% | 27.03% | 28.13% | 9.53% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 27.79% | 27.79% | 28.86% | 9.33% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 26.48% | 26.48% | 27.53% | 9.23% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 25.92% | 25.92% | 26.98% | 9.24% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| The Converse County Bank (this bank) | Risk-based | 27.51% | 27.51% | 28.45% | 9.57% | |
| Pioneer Bank | $1.09B | Risk-based | 17.51% | 17.51% | 18.77% | 12.32% |
| Generations Bank | $1.09B | Risk-based | 11.71% | 11.71% | 12.42% | 11.51% |
| Winchester Savings Bank | $1.09B | CBLR | NA | NA | NA | 9.63% |
| First Bank of Berne | $1.09B | Risk-based | 12.23% | 12.23% | 13.44% | 9.92% |
| Partners Bank of New England | $1.09B | Risk-based | 14.68% | 14.68% | 15.80% | 10.99% |
| Prime Alliance Bank | $1.09B | Risk-based | 12.73% | 12.73% | 14.00% | 11.53% |
| First Palmetto Bank | $1.10B | Risk-based | 13.63% | 13.63% | 14.89% | 9.42% |
| Auburnbank | $1.09B | Risk-based | 16.26% | 16.26% | 17.24% | 10.65% |
| Amerasia Bank | $1.08B | Risk-based | 18.40% | 18.40% | 19.27% | 15.12% |
| First Resource Bank | $1.08B | Risk-based | 11.62% | 11.62% | 12.77% | 8.34% |
| Peer 25th percentile | 12.23% | 12.23% | 13.44% | 9.70% | ||
| Peer median | 13.63% | 13.63% | 14.89% | 10.82% | ||
| Peer 75th percentile | 16.26% | 16.26% | 17.24% | 11.53% | ||
| This bank's percentile | 100 | 100 | 100 | 20 |
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/72258/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.