Drake Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.08% (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: 3.08% (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 9.80% +3.30 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 | $18.6M | 18,603 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $189.8M | 189,778 | RCOAA223 |
| Recomputed ratio | 9.80% | numerator / denominator | |
| Filed ratio | 9.80% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.30 pp | $6.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 9.80% +1.80 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 | $18.6M | 18,603 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $189.8M | 189,778 | RCOAA223 |
| Recomputed ratio | 9.80% | numerator / denominator | |
| Filed ratio | 9.80% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +1.80 pp | $3.4M | capital that could be lost first |
Total risk-based capital ratio 11.07% +1.07 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 | $21.0M | 21,018 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $189.8M | 189,778 | RCOAA223 |
| Recomputed ratio | 11.07% | numerator / denominator | |
| Filed ratio | 11.07% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.07 pp | $2.0M | capital that could be lost first |
Tier 1 leverage ratio 7.27% +2.27 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 | $18.6M | 18,603 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $255.9M | 255,933 | RCOAA224 |
| Recomputed ratio | 7.27% | numerator / denominator | |
| Filed ratio | 7.27% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +2.27 pp | $5.8M | 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 | 18,200 | 18,200 | 18,200 | 18,200 | 18,200 | 18,200 | RCOAP742 |
| Retained earnings | 403 | (133) | 2,701 | 4,608 | 4,290 | 3,919 | RCOAKW00 |
| Accumulated other comprehensive income | (1,359) | (1,480) | (1,342) | (1,714) | (2,056) | (2,383) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 17,244 | 16,587 | 19,559 | 21,094 | 20,434 | 19,736 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,359 | 1,480 | 1,342 | 1,714 | 2,056 | 2,383 | P859 - P840 |
| Common equity Tier 1 capital | 18,603 | 18,067 | 20,901 | 22,808 | 22,490 | 22,119 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 18,603 | 18,067 | 20,901 | 22,808 | 22,490 | 22,119 | RCOA8274 |
| Tier 2 capital | 2,415 | 2,423 | 2,494 | 2,322 | 2,611 | 2,649 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,415 | 2,423 | 2,494 | 2,322 | 2,611 | 2,649 | RCOA5310 |
| Total capital | 21,018 | 20,490 | 23,395 | 25,130 | 25,101 | 24,768 | RCOA3792 |
| Total risk-weighted assets | 189,778 | 190,117 | 198,204 | 203,531 | 208,381 | 211,592 | RCOAA223 |
| Average total assets for the leverage ratio | 255,933 | 258,841 | 262,561 | 273,240 | 271,460 | 262,663 | 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 | $22.7M | $258K | 1.13% | 0.13% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $30.0M | $6.6M | 21.91% | 3.40% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $543K | $109K | 20.00% | 0.06% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $49.5M | $30.9M | 62.48% | 16.01% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $8.7M | $11.6M | 133.63% | 6.02% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $135.5M | $130.4M | 96.23% | 67.48% | RC-R Part II, item 4.d, 5.d |
| All other assets | $7.7M | $6.9M | 90.41% | 3.59% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $6.4M | $6.4M | 100.00% | 3.32% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $300 | 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 | $193.2M | ties to item 31 ($193.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $193.2M | RCONB704 |
| Less: excess allowance for credit losses | $3.5M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $189.8M | 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 | 9.80% | 9.80% | 11.07% | 7.27% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 9.50% | 9.50% | 10.78% | 6.98% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.55% | 10.55% | 11.80% | 7.96% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.21% | 11.21% | 12.35% | 8.35% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.79% | 10.79% | 12.05% | 8.28% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 10.45% | 10.45% | 11.71% | 8.42% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.70% | 10.70% | 11.95% | 8.95% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 8.70% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.04% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.12% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.63% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.12% | 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 |
|---|---|---|---|---|---|---|
| Drake Bank (this bank) | Risk-based | 9.80% | 9.80% | 11.07% | 7.27% | |
| Hendricks County Bank and Trust Company | $247.4M | CBLR | NA | NA | NA | 9.96% |
| Citizens Bank of Eldon | $247.3M | CBLR | NA | NA | NA | 11.53% |
| Bodcaw Bank | $247.3M | CBLR | NA | NA | NA | 10.89% |
| 1st National Bank | $247.2M | Risk-based | 14.71% | 14.71% | 15.96% | 9.56% |
| Penncrest Bank | $247.1M | CBLR | NA | NA | NA | 13.48% |
| Farmers Bank and Trust Company | $247.8M | CBLR | NA | NA | NA | 9.46% |
| Union Bank | $247.0M | Risk-based | 21.26% | 21.26% | 21.88% | 10.68% |
| Cornerstone State Bank | $247.0M | CBLR | NA | NA | NA | 10.60% |
| First Financial Bank | $248.1M | Risk-based | 15.12% | 15.12% | 15.94% | 10.69% |
| Bridge City State Bank | $246.8M | Risk-based | 20.16% | 20.16% | 21.03% | 11.71% |
| Peer 25th percentile | 15.02% | 15.02% | 15.96% | 10.12% | ||
| Peer median | 17.64% | 17.64% | 18.50% | 10.69% | ||
| Peer 75th percentile | 20.43% | 20.43% | 21.24% | 11.37% | ||
| This bank's percentile | 0 | 0 | 0 | 0 |
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/3090833/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.