The Cooperative Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.98% (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: 5.98% (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 12.94% +6.44 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 | $49.9M | 49,918 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $385.7M | 385,745 | RCOAA223 |
| Recomputed ratio | 12.94% | numerator / denominator | |
| Filed ratio | 12.94% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.44 pp | $24.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.94% +4.94 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 | $49.9M | 49,918 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $385.7M | 385,745 | RCOAA223 |
| Recomputed ratio | 12.94% | numerator / denominator | |
| Filed ratio | 12.94% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.94 pp | $19.1M | capital that could be lost first |
Total risk-based capital ratio 13.98% +3.98 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 | $53.9M | 53,920 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $385.7M | 385,745 | RCOAA223 |
| Recomputed ratio | 13.98% | numerator / denominator | |
| Filed ratio | 13.98% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.98 pp | $15.3M | capital that could be lost first |
Tier 1 leverage ratio 9.29% +4.29 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 | $49.9M | 49,918 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $537.3M | 537,326 | RCOAA224 |
| Recomputed ratio | 9.29% | numerator / denominator | |
| Filed ratio | 9.29% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.29 pp | $23.1M | 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 | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 49,918 | 49,926 | 49,766 | 49,657 | 49,241 | 49,254 | RCOAKW00 |
| Accumulated other comprehensive income | (1,724) | (1,756) | (1,622) | (1,932) | (2,305) | (2,373) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 48,194 | 48,170 | 48,144 | 47,725 | 46,936 | 46,881 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,724 | 1,756 | 1,622 | 1,932 | 2,305 | 2,373 | P859 - P840 |
| Common equity Tier 1 capital | 49,918 | 49,926 | 49,766 | 49,657 | 49,241 | 49,254 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 49,918 | 49,926 | 49,766 | 49,657 | 49,241 | 49,254 | RCOA8274 |
| Tier 2 capital | 4,002 | 3,931 | 3,885 | 3,850 | 3,906 | 3,898 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,002 | 3,931 | 3,885 | 3,850 | 3,906 | 3,898 | RCOA5310 |
| Total capital | 53,920 | 53,857 | 53,651 | 53,507 | 53,147 | 53,152 | RCOA3792 |
| Total risk-weighted assets | 385,745 | 376,478 | 375,458 | 373,166 | 378,173 | 386,788 | RCOAA223 |
| Average total assets for the leverage ratio | 537,326 | 538,511 | 535,202 | 532,571 | 537,320 | 541,872 | 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 | $79K | 0.60% | 0.02% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $48.8M | $10.6M | 21.78% | 2.75% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.4M | $287K | 20.00% | 0.07% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $269.1M | $135.7M | 50.42% | 35.17% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $194.3M | $194.0M | 99.84% | 50.29% | RC-R Part II, item 4.d, 5.d |
| All other assets | $25.6M | $24.5M | 95.50% | 6.35% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $21.4M | $18.7M | 87.36% | 4.85% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1.9M | NA | 0.50% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $383.8M | ties to item 31 ($383.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $385.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $385.7M | 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 | 12.94% | 12.94% | 13.98% | 9.29% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.26% | 13.26% | 14.31% | 9.27% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.25% | 13.25% | 14.29% | 9.30% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.31% | 13.31% | 14.34% | 9.32% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.02% | 13.02% | 14.05% | 9.16% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.73% | 12.73% | 13.74% | 9.09% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.71% | 12.71% | 13.72% | 8.96% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.14% | 12.14% | 13.15% | 8.76% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.95% | 11.95% | 13.01% | 8.58% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.06% | 12.06% | 13.15% | 8.53% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.72% | 11.72% | 12.84% | 8.34% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.55% | 11.55% | 12.71% | 8.43% | 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 |
|---|---|---|---|---|---|---|
| The Cooperative Bank (this bank) | Risk-based | 12.94% | 12.94% | 13.98% | 9.29% | |
| Silver Lake Bank | $548.2M | CBLR | NA | NA | NA | 10.90% |
| Citizens Bank of Kansas | $548.4M | Risk-based | 15.01% | 15.01% | 15.82% | 8.53% |
| Belgrade State Bank | $548.0M | Risk-based | 15.07% | 15.07% | 16.29% | 10.13% |
| Charter West Bank | $547.9M | CBLR | NA | NA | NA | 9.27% |
| The Farmers Bank of Willards | $547.6M | Risk-based | 18.87% | 18.87% | 20.12% | 12.13% |
| First National Bank of Coffee County | $547.5M | Risk-based | 17.70% | 17.70% | 18.96% | 8.85% |
| First State Bank and Trust Company | $547.4M | CBLR | NA | NA | NA | 14.00% |
| Fidelity Bank | $546.8M | CBLR | NA | NA | NA | 13.07% |
| Northern State Bank of Thief River Falls | $550.0M | Risk-based | 24.96% | 24.96% | 26.21% | 9.92% |
| Magnolia Bank, Inc | $546.3M | CBLR | NA | NA | NA | 10.96% |
| Peer 25th percentile | 15.07% | 15.07% | 16.29% | 9.43% | ||
| Peer median | 17.70% | 17.70% | 18.96% | 10.52% | ||
| Peer 75th percentile | 18.87% | 18.87% | 20.12% | 11.84% | ||
| This bank's percentile | 0 | 0 | 0 | 30 |
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/714978/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.