The Conway National Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 12.12% (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: 12.12% (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 19.18% +12.68 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 | $200.2M | 200,167 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.04B | 1,043,875 | RCOAA223 |
| Recomputed ratio | 19.18% | numerator / denominator | |
| Filed ratio | 19.18% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +12.68 pp | $132.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 19.18% +11.18 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 | $200.2M | 200,167 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.04B | 1,043,875 | RCOAA223 |
| Recomputed ratio | 19.18% | numerator / denominator | |
| Filed ratio | 19.18% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +11.18 pp | $116.7M | capital that could be lost first |
Total risk-based capital ratio 20.12% +10.12 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 | $210.0M | 209,997 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.04B | 1,043,875 | RCOAA223 |
| Recomputed ratio | 20.12% | numerator / denominator | |
| Filed ratio | 20.12% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +10.12 pp | $105.6M | capital that could be lost first |
Tier 1 leverage ratio 10.23% +5.23 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 | $200.2M | 200,167 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.96B | 1,956,179 | RCOAA224 |
| Recomputed ratio | 10.23% | numerator / denominator | |
| Filed ratio | 10.23% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.23 pp | $102.4M | 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 | 3,871 | 3,871 | 3,871 | 3,871 | 3,871 | 3,871 | RCOAP742 |
| Retained earnings | 196,296 | 189,181 | 182,358 | 187,302 | 180,862 | 175,242 | RCOAKW00 |
| Accumulated other comprehensive income | (5,254) | (4,133) | (1,854) | (2,677) | (5,437) | (7,637) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 194,913 | 188,919 | 184,375 | 188,496 | 179,296 | 171,476 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,254 | 4,133 | 1,854 | 2,677 | 5,437 | 7,637 | P859 - P840 |
| Common equity Tier 1 capital | 200,167 | 193,052 | 186,229 | 191,173 | 184,733 | 179,113 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 200,167 | 193,052 | 186,229 | 191,173 | 184,733 | 179,113 | RCOA8274 |
| Tier 2 capital | 9,830 | 9,679 | 9,470 | 9,421 | 9,089 | 8,772 | RCOA5311 |
| Allowance includable in Tier 2 capital | 9,830 | 9,679 | 9,470 | 9,421 | 9,089 | 8,772 | RCOA5310 |
| Total capital | 209,997 | 202,731 | 195,699 | 200,594 | 193,822 | 187,885 | RCOA3792 |
| Total risk-weighted assets | 1,043,875 | 1,026,996 | 1,008,383 | 1,006,392 | 1,011,137 | 989,246 | RCOAA223 |
| Average total assets for the leverage ratio | 1,956,179 | 1,922,306 | 1,932,650 | 1,916,916 | 1,871,785 | 1,822,129 | 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 | $202.8M | $7.4M | 3.65% | 0.71% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $897.0M | $163.0M | 18.17% | 15.61% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $116.4M | $0 | 0.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $265.9M | $156.6M | 58.91% | 15.00% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $85.3M | $127.9M | 150.00% | 12.25% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $139K | $208K | 150.00% | 0.02% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $514.4M | $501.9M | 97.56% | 48.08% | RC-R Part II, item 4.d, 5.d |
| All other assets | $48.1M | $43.8M | 90.96% | 4.19% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $43.2M | $43.2M | 100.00% | 4.13% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | 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 | $1.04B | ties to item 31 ($1.04B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.04B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.04B | 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 | 19.18% | 19.18% | 20.12% | 10.23% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 18.80% | 18.80% | 19.74% | 10.04% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 18.47% | 18.47% | 19.41% | 9.64% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 19.00% | 19.00% | 19.93% | 9.97% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 18.27% | 18.27% | 19.17% | 9.87% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 18.11% | 18.11% | 18.99% | 9.83% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 18.01% | 18.01% | 18.91% | 9.51% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 18.29% | 18.29% | 19.18% | 9.73% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 17.90% | 17.90% | 18.80% | 9.78% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 17.93% | 17.93% | 18.78% | 9.57% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 17.50% | 17.50% | 18.42% | 9.10% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 18.34% | 18.34% | 19.21% | 9.35% | 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 Conway National Bank (this bank) | Risk-based | 19.18% | 19.18% | 20.12% | 10.23% | |
| Yakima Federal Savings and Loan Association | $2.00B | CBLR | NA | NA | NA | 28.14% |
| Bank of Springfield | $2.00B | Risk-based | 10.72% | 10.72% | 11.81% | 9.22% |
| Heritage Bank, Inc. | $1.99B | Risk-based | 11.86% | 11.86% | 12.97% | 9.01% |
| Oak Valley Community Bank | $2.00B | Risk-based | 15.72% | 15.72% | 16.53% | 11.48% |
| Mission Bank | $2.01B | CBLR | NA | NA | NA | 12.22% |
| Florence Bank | $2.01B | CBLR | NA | NA | NA | 12.23% |
| South Atlantic Bank | $1.98B | Risk-based | 11.27% | 11.27% | 12.21% | 9.42% |
| The Farmers & Merchants Bank | $2.02B | CBLR | NA | NA | NA | 9.79% |
| Trunorth Bank | $2.02B | Risk-based | 12.06% | 12.06% | 13.23% | 9.82% |
| Montecito Bank & Trust | $2.02B | CBLR | NA | NA | NA | 11.29% |
| Peer 25th percentile | 11.27% | 11.27% | 12.21% | 9.51% | ||
| Peer median | 11.86% | 11.86% | 12.97% | 10.55% | ||
| Peer 75th percentile | 12.06% | 12.06% | 13.23% | 12.03% | ||
| This bank's percentile | 100 | 100 | 100 | 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/631422/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.