Durden Banking Company, Incorporated: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 14.80% (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: 14.80% (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 21.55% +15.05 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 | $48.3M | 48,268 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $224.0M | 224,020 | RCOAA223 |
| Recomputed ratio | 21.55% | numerator / denominator | |
| Filed ratio | 21.55% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +15.05 pp | $33.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 21.55% +13.55 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 | $48.3M | 48,268 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $224.0M | 224,020 | RCOAA223 |
| Recomputed ratio | 21.55% | numerator / denominator | |
| Filed ratio | 21.55% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +13.55 pp | $30.3M | capital that could be lost first |
Total risk-based capital ratio 22.80% +12.80 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 | $51.1M | 51,087 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $224.0M | 224,020 | RCOAA223 |
| Recomputed ratio | 22.80% | numerator / denominator | |
| Filed ratio | 22.80% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +12.80 pp | $28.7M | capital that could be lost first |
Tier 1 leverage ratio 16.24% +11.24 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 | $48.3M | 48,268 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $297.2M | 297,240 | RCOAA224 |
| Recomputed ratio | 16.24% | numerator / denominator | |
| Filed ratio | 16.24% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +11.24 pp | $33.4M | 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 | 4,288 | 4,288 | 4,288 | 4,288 | 4,288 | 4,288 | RCOAP742 |
| Retained earnings | 43,980 | 41,839 | 42,182 | 41,568 | 39,779 | 37,647 | RCOAKW00 |
| Accumulated other comprehensive income | (2,184) | (2,156) | (1,964) | (2,155) | (2,953) | (3,243) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 46,084 | 43,971 | 44,506 | 43,701 | 41,114 | 38,692 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,184 | 2,156 | 1,964 | 2,155 | 2,953 | 3,243 | P859 - P840 |
| Common equity Tier 1 capital | 48,268 | 46,127 | 46,470 | 45,856 | 44,067 | 41,935 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 48,268 | 46,127 | 46,470 | 45,856 | 44,067 | 41,935 | RCOA8274 |
| Tier 2 capital | 2,819 | 2,800 | 2,679 | 2,570 | 2,463 | 2,375 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,819 | 2,800 | 2,679 | 2,570 | 2,463 | 2,375 | RCOA5310 |
| Total capital | 51,087 | 48,927 | 49,149 | 48,426 | 46,530 | 44,310 | RCOA3792 |
| Total risk-weighted assets | 224,020 | 222,475 | 212,768 | 204,164 | 195,604 | 188,484 | RCOAA223 |
| Average total assets for the leverage ratio | 297,240 | 294,999 | 292,019 | 293,170 | 294,521 | 289,435 | 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 | $19.4M | $3.0M | 15.66% | 1.35% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $33.1M | $7.7M | 23.14% | 3.40% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $86.7M | $43.3M | 50.00% | 19.21% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $158.4M | $156.9M | 99.02% | 69.56% | RC-R Part II, item 4.d, 5.d |
| All other assets | $8.1M | $7.6M | 93.78% | 3.36% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $7.0M | $7.0M | 100.00% | 3.13% | 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 | $225.5M | ties to item 31 ($225.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $225.5M | RCONB704 |
| Less: excess allowance for credit losses | $1.5M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $224.0M | 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 | 21.55% | 21.55% | 22.80% | 16.24% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 20.73% | 20.73% | 21.99% | 15.64% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 21.84% | 21.84% | 23.10% | 15.91% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 22.46% | 22.46% | 23.72% | 15.64% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 22.53% | 22.53% | 23.79% | 14.96% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 22.25% | 22.25% | 23.51% | 14.49% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 23.13% | 23.13% | 24.39% | 15.06% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 23.44% | 23.44% | 24.70% | 15.61% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 22.69% | 22.69% | 23.95% | 14.49% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 21.67% | 21.67% | 22.93% | 13.99% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 23.11% | 23.11% | 24.37% | 14.51% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 23.31% | 23.31% | 24.57% | 14.12% | 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 |
|---|---|---|---|---|---|---|
| Durden Banking Company, Incorporated (this bank) | Risk-based | 21.55% | 21.55% | 22.80% | 16.24% | |
| The Tri-County Bank | $299.3M | CBLR | NA | NA | NA | 8.45% |
| Farmers Savings Bank | $299.1M | CBLR | NA | NA | NA | 10.99% |
| Bank of Crockett | $299.1M | Risk-based | 13.31% | 13.31% | 14.56% | 10.46% |
| The First National Bank of Pandora | $299.0M | Risk-based | 11.16% | 11.16% | 12.38% | 8.07% |
| Caldwell Bank & Trust Company | $298.6M | CBLR | NA | NA | NA | 10.03% |
| Minnesota National Bank | $298.4M | Risk-based | 11.55% | 11.55% | 12.61% | 9.77% |
| Grant County Bank | $298.4M | CBLR | NA | NA | NA | 13.34% |
| Peshtigo National Bank | $300.0M | Risk-based | 14.06% | 14.06% | 15.27% | 8.99% |
| Leighton State Bank | $298.2M | CBLR | NA | NA | NA | 10.99% |
| Redstone Bank | $298.2M | CBLR | NA | NA | NA | 11.98% |
| Peer 25th percentile | 11.46% | 11.46% | 12.55% | 9.18% | ||
| Peer median | 12.43% | 12.43% | 13.58% | 10.25% | ||
| Peer 75th percentile | 13.50% | 13.50% | 14.73% | 10.99% | ||
| This bank's percentile | 100 | 100 | 100 | 100 |
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/101439/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.