Crossroads Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.19% (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: 7.19% (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 13.93% +7.43 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 | $59.7M | 59,700 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $428.4M | 428,420 | RCOAA223 |
| Recomputed ratio | 13.93% | numerator / denominator | |
| Filed ratio | 13.93% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.43 pp | $31.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.93% +5.93 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 | $59.7M | 59,700 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $428.4M | 428,420 | RCOAA223 |
| Recomputed ratio | 13.93% | numerator / denominator | |
| Filed ratio | 13.93% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.93 pp | $25.4M | capital that could be lost first |
Total risk-based capital ratio 15.19% +5.19 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 | $65.1M | 65,065 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $428.4M | 428,420 | RCOAA223 |
| Recomputed ratio | 15.19% | numerator / denominator | |
| Filed ratio | 15.19% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.19 pp | $22.2M | capital that could be lost first |
Tier 1 leverage ratio 9.49% +4.49 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 | $59.7M | 59,700 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $629.0M | 629,043 | RCOAA224 |
| Recomputed ratio | 9.49% | numerator / denominator | |
| Filed ratio | 9.49% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.49 pp | $28.2M | 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 | 10,277 | 10,224 | 10,171 | 10,120 | 10,268 | 10,217 | RCOAP742 |
| Retained earnings | 50,398 | 49,492 | 48,632 | 47,779 | 46,991 | 45,962 | RCOAKW00 |
| Accumulated other comprehensive income | (8,136) | (9,283) | (8,748) | (9,852) | (11,560) | (10,490) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 52,539 | 50,433 | 50,055 | 48,047 | 45,699 | 45,689 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 7,161 | 8,308 | 7,773 | 8,877 | 10,585 | 9,515 | P859 - P840 |
| Common equity Tier 1 capital | 59,700 | 58,741 | 57,828 | 56,924 | 56,284 | 55,204 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 59,700 | 58,741 | 57,828 | 56,924 | 56,284 | 55,204 | RCOA8274 |
| Tier 2 capital | 5,365 | 5,596 | 5,215 | 5,111 | 5,148 | 5,363 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,365 | 5,596 | 5,215 | 5,111 | 5,148 | 5,363 | RCOA5310 |
| Total capital | 65,065 | 64,337 | 63,043 | 62,035 | 61,432 | 60,567 | RCOA3792 |
| Total risk-weighted assets | 428,420 | 447,270 | 416,460 | 408,197 | 411,246 | 428,717 | RCOAA223 |
| Average total assets for the leverage ratio | 629,043 | 606,197 | 600,083 | 593,080 | 598,377 | 594,124 | 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 | $31.6M | $1.0M | 3.19% | 0.24% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $112.0M | $33.0M | 29.43% | 7.68% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $210.1M | $107.0M | 50.94% | 24.93% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $2.4M | $3.6M | 150.00% | 0.84% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $5.5M | $8.3M | 150.00% | 1.93% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $238.2M | $237.1M | 99.51% | 55.23% | RC-R Part II, item 4.d, 5.d |
| All other assets | $31.7M | $31.2M | 98.43% | 7.28% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $32.4M | $8.1M | 24.91% | 1.88% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $200 | 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 | $429.2M | ties to item 31 ($429.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $429.2M | RCONB704 |
| Less: excess allowance for credit losses | $805K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $428.4M | 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 | 13.93% | 13.93% | 15.19% | 9.49% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.13% | 13.13% | 14.38% | 9.69% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.89% | 13.89% | 15.14% | 9.64% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.95% | 13.95% | 15.20% | 9.60% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.69% | 13.69% | 14.94% | 9.41% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.88% | 12.88% | 14.13% | 9.29% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.01% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.22% | 13.22% | 14.48% | 9.00% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.29% | 13.29% | 14.54% | 9.06% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.04% | 13.04% | 14.29% | 9.00% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.07% | 13.07% | 14.32% | 9.26% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.05% | 13.05% | 14.30% | 9.21% | 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 |
|---|---|---|---|---|---|---|
| Crossroads Bank (this bank) | Risk-based | 13.93% | 13.93% | 15.19% | 9.49% | |
| Farmers & Merchants Savings Bank | $616.8M | Risk-based | 13.66% | 13.66% | 14.92% | 12.41% |
| The Bank | $617.3M | Risk-based | 18.10% | 18.10% | 19.35% | 11.46% |
| Empire State Bank | $617.8M | Risk-based | 15.07% | 15.07% | 16.32% | 10.13% |
| Crown Bank | $614.3M | CBLR | NA | NA | NA | 26.11% |
| Farmers Trust and Savings Bank | $618.0M | Risk-based | 11.07% | 11.07% | 12.19% | 9.53% |
| Newbank | $618.0M | CBLR | NA | NA | NA | 15.00% |
| First Bank Kansas | $618.5M | Risk-based | 12.88% | 12.88% | 14.14% | 8.83% |
| Community Savings Bank | $613.6M | Risk-based | 13.66% | 13.66% | 14.80% | 10.05% |
| NBT Financial Bank | $618.7M | Risk-based | 14.06% | 14.06% | 15.31% | 10.85% |
| Madison County Bank | $613.2M | Risk-based | 18.29% | 18.29% | 19.54% | 15.11% |
| Peer 25th percentile | 13.47% | 13.47% | 14.63% | 10.07% | ||
| Peer median | 13.86% | 13.86% | 15.12% | 11.16% | ||
| Peer 75th percentile | 15.82% | 15.82% | 17.08% | 14.35% | ||
| This bank's percentile | 50 | 50 | 50 | 10 |
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/228279/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.