Crawford County Trust and Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.50% (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: 7.50% (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 14.38% +7.88 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 | $29.1M | 29,087 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $202.2M | 202,206 | RCOAA223 |
| Recomputed ratio | 14.38% | numerator / denominator | |
| Filed ratio | 14.38% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.88 pp | $15.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.38% +6.38 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 | $29.1M | 29,087 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $202.2M | 202,206 | RCOAA223 |
| Recomputed ratio | 14.38% | numerator / denominator | |
| Filed ratio | 14.38% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.38 pp | $12.9M | capital that could be lost first |
Total risk-based capital ratio 15.50% +5.50 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 | 31,346 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $202.2M | 202,206 | RCOAA223 |
| Recomputed ratio | 15.50% | numerator / denominator | |
| Filed ratio | 15.50% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.50 pp | $11.1M | capital that could be lost first |
Tier 1 leverage ratio 9.93% +4.93 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 | $29.1M | 29,087 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $292.9M | 292,940 | RCOAA224 |
| Recomputed ratio | 9.93% | numerator / denominator | |
| Filed ratio | 9.93% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.93 pp | $14.4M | 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 | 5,964 | 5,964 | 5,964 | 5,964 | 5,964 | 5,964 | RCOAP742 |
| Retained earnings | 23,123 | 22,350 | 21,595 | 21,042 | 20,399 | 19,732 | RCOAKW00 |
| Accumulated other comprehensive income | (3,091) | (2,943) | (2,532) | (2,822) | (3,316) | (3,799) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 25,996 | 25,371 | 25,027 | 24,184 | 23,047 | 21,897 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,091 | 2,943 | 2,532 | 2,822 | 3,316 | 3,799 | P859 - P840 |
| Common equity Tier 1 capital | 29,087 | 28,314 | 27,559 | 27,006 | 26,363 | 25,696 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 29,087 | 28,314 | 27,559 | 27,006 | 26,363 | 25,696 | RCOA8274 |
| Tier 2 capital | 2,259 | 2,251 | 2,260 | 2,251 | 2,239 | 2,257 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,259 | 2,251 | 2,260 | 2,251 | 2,239 | 2,257 | RCOA5310 |
| Total capital | 31,346 | 30,565 | 29,819 | 29,257 | 28,602 | 27,953 | RCOA3792 |
| Total risk-weighted assets | 202,206 | 200,514 | 208,584 | 201,820 | 204,141 | 205,982 | RCOAA223 |
| Average total assets for the leverage ratio | 292,940 | 287,707 | 286,114 | 280,348 | 284,846 | 279,141 | 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 | $29.3M | $624K | 2.13% | 0.31% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $67.2M | $10.6M | 15.84% | 5.26% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $24.8M | $12.4M | 50.00% | 6.13% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $61K | $92K | 150.00% | 0.05% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $168.0M | $167.3M | 99.61% | 82.75% | RC-R Part II, item 4.d, 5.d |
| All other assets | $10.6M | $10.3M | 96.68% | 5.09% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $942K | $849K | 90.13% | 0.42% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $800 | 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 | $202.2M | ties to item 31 ($202.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $202.2M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $202.2M | 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 | 14.38% | 14.38% | 15.50% | 9.93% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.12% | 14.12% | 15.24% | 9.84% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.21% | 13.21% | 14.30% | 9.63% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.38% | 13.38% | 14.50% | 9.63% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.91% | 12.91% | 14.01% | 9.26% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.47% | 12.47% | 13.57% | 9.21% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.14% | 12.14% | 13.21% | 8.98% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.94% | 11.94% | 13.01% | 9.03% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.72% | 11.72% | 12.80% | 8.69% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.48% | 11.48% | 12.54% | 8.67% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.32% | 11.32% | 12.38% | 8.49% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.36% | 11.36% | 12.44% | 8.48% | 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 |
|---|---|---|---|---|---|---|
| Crawford County Trust and Savings Bank (this bank) | Risk-based | 14.38% | 14.38% | 15.50% | 9.93% | |
| First Kansas Bank | $294.4M | Risk-based | 18.32% | 18.32% | 19.57% | 8.35% |
| Partners Bank | $294.2M | CBLR | NA | NA | NA | 14.70% |
| The Upstate National Bank | $294.8M | Risk-based | 15.33% | 15.34% | 16.53% | 10.19% |
| St. Landry Bank and Trust Company | $294.9M | Risk-based | 26.65% | 26.65% | 27.91% | 11.20% |
| McClain Bank | $294.0M | CBLR | NA | NA | NA | 9.52% |
| First National Bank & Trust, Elk City, Oklahoma | $294.0M | CBLR | NA | NA | NA | 13.09% |
| Community 1st Bank Las Vegas | $293.9M | Risk-based | 21.93% | 21.93% | 22.98% | 10.02% |
| Coleman County State Bank | $295.1M | Risk-based | 12.90% | 12.90% | 13.89% | 8.56% |
| Arrowhead Bank | $295.3M | Risk-based | 22.31% | 22.31% | 23.49% | 11.89% |
| Peer 25th percentile | 16.08% | 16.09% | 17.29% | 9.52% | ||
| Peer median | 20.12% | 20.12% | 21.28% | 10.19% | ||
| Peer 75th percentile | 22.22% | 22.22% | 23.36% | 11.89% | ||
| This bank's percentile | 17 | 17 | 17 | 33 |
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/810544/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.