Dieterich Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.39% (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: 3.39% (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 10.14% +3.64 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 | $130.0M | 130,034 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.28B | 1,282,540 | RCOAA223 |
| Recomputed ratio | 10.14% | numerator / denominator | |
| Filed ratio | 10.14% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.64 pp | $46.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.14% +2.14 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 | $130.0M | 130,034 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.28B | 1,282,540 | RCOAA223 |
| Recomputed ratio | 10.14% | numerator / denominator | |
| Filed ratio | 10.14% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.14 pp | $27.4M | capital that could be lost first |
Total risk-based capital ratio 11.39% +1.39 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 | $146.1M | 146,072 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.28B | 1,282,540 | RCOAA223 |
| Recomputed ratio | 11.39% | numerator / denominator | |
| Filed ratio | 11.39% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.39 pp | $17.8M | capital that could be lost first |
Tier 1 leverage ratio 8.42% +3.42 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 | $130.0M | 130,034 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.54B | 1,544,114 | RCOAA224 |
| Recomputed ratio | 8.42% | numerator / denominator | |
| Filed ratio | 8.42% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.42 pp | $52.8M | 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 | 90,436 | 90,371 | 90,295 | 90,218 | 86,142 | 86,069 | RCOAP742 |
| Retained earnings | 69,688 | 69,827 | 67,856 | 63,930 | 63,809 | 62,581 | RCOAKW00 |
| Accumulated other comprehensive income | (24,834) | (23,716) | (24,052) | (25,713) | (31,572) | (31,117) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 135,290 | 136,482 | 134,099 | 128,435 | 118,379 | 117,533 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (5,256) | (6,522) | (6,334) | (4,833) | 7,622 | 7,119 | P859 - P840 |
| Common equity Tier 1 capital | 130,034 | 129,960 | 127,765 | 123,602 | 126,001 | 124,652 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 130,034 | 129,960 | 127,765 | 123,602 | 126,001 | 124,652 | RCOA8274 |
| Tier 2 capital | 16,038 | 15,855 | 15,981 | 15,585 | 13,460 | 12,893 | RCOA5311 |
| Allowance includable in Tier 2 capital | 16,038 | 15,855 | 15,981 | 15,585 | 13,460 | 12,893 | RCOA5310 |
| Total capital | 146,072 | 145,815 | 143,746 | 139,187 | 139,461 | 137,545 | RCOA3792 |
| Total risk-weighted assets | 1,282,540 | 1,267,999 | 1,278,096 | 1,246,568 | 1,151,549 | 1,126,596 | RCOAA223 |
| Average total assets for the leverage ratio | 1,544,114 | 1,564,002 | 1,553,718 | 1,499,761 | 1,389,108 | 1,372,830 | 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 | $38.0M | $2.7M | 7.17% | 0.21% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $390.7M | $88.7M | 22.70% | 6.91% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $41.9M | $5.6M | 13.40% | 0.44% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $178.5M | $101.8M | 57.02% | 7.93% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $76K | $114K | 150.00% | 0.01% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $18.1M | $27.1M | 150.00% | 2.12% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $853.5M | $841.8M | 98.62% | 65.61% | RC-R Part II, item 4.d, 5.d |
| All other assets | $86.0M | $81.4M | 94.66% | 6.35% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $45.6M | $45.6M | 100.00% | 3.55% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $762K | $28K | 3.67% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $88.1M | NA | 6.86% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.19B | ties to item 31 ($1.19B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.28B | RCONB704 |
| Less: excess allowance for credit losses | $450K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.28B | 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 | 10.14% | 10.14% | 11.39% | 8.42% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.25% | 10.25% | 11.50% | 8.31% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.00% | 10.00% | 11.25% | 8.22% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 9.92% | 9.92% | 11.17% | 8.24% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 10.94% | 10.94% | 12.11% | 9.07% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.06% | 11.06% | 12.21% | 9.08% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.51% | 11.51% | 12.66% | 8.88% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.48% | 11.48% | 12.64% | 8.56% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.51% | 11.51% | 12.69% | 9.05% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.51% | 11.51% | 12.67% | 9.05% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.42% | 11.42% | 12.57% | 9.04% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.41% | 11.41% | 12.57% | 9.06% | 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 |
|---|---|---|---|---|---|---|
| Dieterich Bank (this bank) | Risk-based | 10.14% | 10.14% | 11.39% | 8.42% | |
| Main Street Bank Corp. | $1.55B | Risk-based | 11.63% | 11.63% | 12.80% | 9.25% |
| Solera National Bank | $1.55B | CBLR | NA | NA | NA | 8.40% |
| Bonvenu Bank, N.A. | $1.55B | Risk-based | 13.50% | 13.50% | 14.66% | 10.04% |
| Quill Bank | $1.56B | Risk-based | 16.51% | 16.51% | 17.79% | 14.42% |
| The Citizens Bank of Philadelphia | $1.56B | Risk-based | 12.38% | 12.38% | 13.36% | 9.11% |
| Union Bank | $1.56B | Risk-based | 12.81% | 12.81% | 13.73% | 7.82% |
| Providence Bank & Trust | $1.56B | CBLR | NA | NA | NA | 11.50% |
| First State Bank | $1.56B | Risk-based | 14.42% | 14.42% | 15.68% | 10.93% |
| First Bank Midwest | $1.55B | Risk-based | 12.99% | 12.99% | 14.24% | 10.90% |
| Peer 25th percentile | 12.60% | 12.60% | 13.54% | 9.11% | ||
| Peer median | 12.99% | 12.99% | 14.24% | 10.04% | ||
| Peer 75th percentile | 13.96% | 13.96% | 15.17% | 10.93% | ||
| This bank's percentile | 0 | 0 | 0 | 22 |
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/771140/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.