Cross River Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 11.78% +2.78 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $1.01B | 1,008,612 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $8.56B | 8,559,694 | RCFAA224 |
| Recomputed ratio | 11.78% | numerator / denominator | |
| Filed ratio | 11.78% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.78 pp | $238.2M | 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 | 452,416 | 452,416 | 442,945 | 442,945 | 442,945 | 442,945 | RCFAP742 |
| Retained earnings | 578,132 | 584,495 | 623,207 | 626,449 | 622,523 | 617,641 | RCFAKW00 |
| Accumulated other comprehensive income | 315 | (1,746) | (1,829) | (16,468) | (18,614) | (23,095) | RCFAB530 |
| Common equity Tier 1 minority interest | 6 | 6 | 6 | 6 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,030,869 | 1,035,171 | 1,064,329 | 1,052,932 | 1,046,854 | 1,037,491 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | (22,257) | (1,312) | (2,162) | 11,922 | 13,788 | 16,065 | P859 - P840 |
| Common equity Tier 1 capital | 1,008,612 | 1,033,859 | 1,062,167 | 1,064,854 | 1,060,642 | 1,053,556 | RCFAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 1,008,612 | 1,033,859 | 1,062,167 | 1,064,854 | 1,060,642 | 1,053,556 | RCFA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 8,559,694 | 8,066,035 | 7,875,542 | 8,152,945 | 8,263,190 | 8,183,317 | RCFAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 11.78% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 12.82% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 13.49% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 13.06% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 12.84% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 12.87% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 13.01% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 12.28% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 11.90% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 12.34% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 12.66% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 13.03% | 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 |
|---|---|---|---|---|---|---|
| Cross River Bank (this bank) | CBLR | NA | NA | NA | 11.78% | |
| Forbright Bank | $8.48B | CBLR | NA | NA | NA | 11.24% |
| First Security Bank | $8.58B | Risk-based | 20.73% | 20.73% | 21.99% | 15.60% |
| First American Bank | $8.63B | Risk-based | 13.77% | 13.77% | 14.80% | 7.58% |
| German American Bank | $8.43B | Risk-based | 13.31% | 13.31% | 14.24% | 11.19% |
| Heritage Bank | $8.42B | Risk-based | 12.34% | 12.34% | 13.23% | 10.23% |
| CNB Bank | $8.41B | Risk-based | 13.09% | 13.21% | 14.05% | 10.17% |
| BankPlus | $8.38B | CBLR | NA | NA | NA | 10.84% |
| Poppy Bank | $8.32B | Risk-based | 12.82% | 12.82% | 14.07% | 9.71% |
| Southside Bank | $8.76B | Risk-based | 16.28% | 16.28% | 17.10% | 11.43% |
| Wells Fargo National Bank West | $8.77B | Risk-based | 64.87% | 64.87% | 65.48% | 19.19% |
| Peer 25th percentile | 13.02% | 13.11% | 14.06% | 10.19% | ||
| Peer median | 13.54% | 13.54% | 14.52% | 11.01% | ||
| Peer 75th percentile | 17.40% | 17.40% | 18.32% | 11.38% | ||
| This bank's percentile | NA | NA | NA | 80 |
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/3783313/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.