Eagle Rock Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.07% (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: 4.07% (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 11.55% +5.05 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 | $56.8M | 56,754 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $491.3M | 491,279 | RCOAA223 |
| Recomputed ratio | 11.55% | numerator / denominator | |
| Filed ratio | 11.55% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.05 pp | $24.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.55% +3.55 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 | $56.8M | 56,754 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $491.3M | 491,279 | RCOAA223 |
| Recomputed ratio | 11.55% | numerator / denominator | |
| Filed ratio | 11.55% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.55 pp | $17.5M | capital that could be lost first |
Total risk-based capital ratio 12.07% +2.07 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 | $59.3M | 59,300 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $491.3M | 491,279 | RCOAA223 |
| Recomputed ratio | 12.07% | numerator / denominator | |
| Filed ratio | 12.07% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.07 pp | $10.2M | capital that could be lost first |
Tier 1 leverage ratio 13.80% +8.80 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 | $56.8M | 56,754 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $411.2M | 411,249 | RCOAA224 |
| Recomputed ratio | 13.80% | numerator / denominator | |
| Filed ratio | 13.80% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.80 pp | $36.2M | 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 | 56,200 | 28,750 | 26,000 | 26,000 | 26,000 | 26,000 | RCOAP742 |
| Retained earnings | 2,844 | 2,196 | 4,223 | 3,358 | 2,687 | 2,032 | RCOAKW00 |
| Accumulated other comprehensive income | (1,134) | (1,002) | (995) | (1,089) | (1,569) | (1,488) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 57,910 | 29,944 | 29,228 | 28,269 | 27,118 | 26,544 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,156) | 441 | 596 | 689 | 1,170 | 1,088 | P859 - P840 |
| Common equity Tier 1 capital | 56,754 | 30,385 | 29,824 | 28,958 | 28,288 | 27,632 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 56,754 | 30,385 | 29,824 | 28,958 | 28,288 | 27,632 | RCOA8274 |
| Tier 2 capital | 2,546 | 2,325 | 2,205 | 2,465 | 2,316 | 2,167 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,546 | 2,325 | 2,205 | 2,465 | 2,316 | 2,167 | RCOA5310 |
| Total capital | 59,300 | 32,710 | 32,029 | 31,423 | 30,604 | 29,799 | RCOA3792 |
| Total risk-weighted assets | 491,279 | 240,866 | 234,435 | 249,035 | 244,600 | 236,725 | RCOAA223 |
| Average total assets for the leverage ratio | 411,249 | 272,326 | 270,706 | 276,051 | 267,572 | 259,021 | 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 | $11.1M | $1.1M | 9.66% | 0.22% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $37.0M | $6.8M | 18.32% | 1.38% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $12.5M | $2.5M | 20.00% | 0.51% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $115.3M | $85.6M | 74.27% | 17.43% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $4.0M | $2.7M | 67.04% | 0.55% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $316.5M | $312.8M | 98.81% | 63.66% | RC-R Part II, item 4.d, 5.d |
| All other assets | $15.5M | $15.4M | 98.93% | 3.13% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $80.1M | $64.5M | 80.52% | 13.13% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1K | 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 | $491.3M | ties to item 31 ($491.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $491.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $491.3M | 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 | 11.55% | 11.55% | 12.07% | 13.80% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.61% | 12.61% | 13.58% | 11.16% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.72% | 12.72% | 13.66% | 11.02% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.63% | 11.63% | 12.62% | 10.49% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.56% | 11.56% | 12.51% | 10.57% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.67% | 11.67% | 12.59% | 10.67% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.74% | 11.74% | 12.61% | 10.57% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.52% | 11.52% | 12.44% | 10.56% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.52% | 11.52% | 12.54% | 11.09% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.41% | 12.41% | 13.49% | 10.83% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.37% | 12.37% | 13.36% | 11.16% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.34% | 12.34% | 13.32% | 11.26% | 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 |
|---|---|---|---|---|---|---|
| Eagle Rock Bank (this bank) | Risk-based | 11.55% | 11.55% | 12.07% | 13.80% | |
| Hancock County Savings Bank, F.S.B. | $508.0M | Risk-based | 35.62% | 35.62% | 36.88% | 18.37% |
| The Casey County Bank, Inc. | $508.4M | Risk-based | 11.63% | 11.63% | 12.61% | 8.30% |
| Grand River Bank | $507.3M | Risk-based | 12.89% | 12.89% | 14.13% | 10.19% |
| Citizens State Bank | $507.0M | CBLR | NA | NA | NA | 10.35% |
| Stafford Savings Bank | $507.0M | Risk-based | 32.01% | 32.01% | 32.18% | 50.61% |
| First State Bank and Trust | $509.6M | Risk-based | 22.37% | 22.37% | 23.51% | 9.25% |
| Mega Bank | $506.7M | Risk-based | 16.35% | 16.35% | 17.60% | 14.43% |
| The Peoples State Bank | $506.6M | CBLR | NA | NA | NA | 10.47% |
| The Bank of Advance | $509.9M | CBLR | NA | NA | NA | 13.01% |
| First Community Bank of the Heartland, Inc. | $506.0M | Risk-based | 9.61% | 9.61% | 10.45% | 8.12% |
| Peer 25th percentile | 12.26% | 12.26% | 13.37% | 9.48% | ||
| Peer median | 16.35% | 16.35% | 17.60% | 10.41% | ||
| Peer 75th percentile | 27.19% | 27.19% | 27.84% | 14.08% | ||
| This bank's percentile | 14 | 14 | 14 | 70 |
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/2391588/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.