Eaglemark Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 16.86% (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: 16.86% (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 24.83% +18.33 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 | $175.0M | 174,984 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $704.7M | 704,654 | RCOAA223 |
| Recomputed ratio | 24.83% | numerator / denominator | |
| Filed ratio | 24.83% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +18.33 pp | $129.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 24.83% +16.83 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 | $175.0M | 174,984 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $704.7M | 704,654 | RCOAA223 |
| Recomputed ratio | 24.83% | numerator / denominator | |
| Filed ratio | 24.83% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +16.83 pp | $118.6M | capital that could be lost first |
Total risk-based capital ratio 24.86% +14.86 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 | $175.2M | 175,150 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $704.7M | 704,654 | RCOAA223 |
| Recomputed ratio | 24.86% | numerator / denominator | |
| Filed ratio | 24.86% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +14.86 pp | $104.7M | capital that could be lost first |
Tier 1 leverage ratio 23.68% +18.68 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 | $175.0M | 174,984 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $738.8M | 738,813 | RCOAA224 |
| Recomputed ratio | 23.68% | numerator / denominator | |
| Filed ratio | 23.68% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +18.68 pp | $138.0M | 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 | 37,500 | 37,500 | 37,500 | 37,500 | 37,500 | 37,500 | RCOAP742 |
| Retained earnings | 137,484 | 128,867 | 120,675 | 112,401 | 103,948 | 95,891 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 174,984 | 166,367 | 158,175 | 149,901 | 141,448 | 133,391 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 0 | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 174,984 | 166,367 | 158,175 | 149,901 | 141,448 | 133,391 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 174,984 | 166,367 | 158,175 | 149,901 | 141,448 | 133,391 | RCOA8274 |
| Tier 2 capital | 166 | 157 | 157 | 168 | 161 | 158 | RCOA5311 |
| Allowance includable in Tier 2 capital | 166 | 157 | 157 | 168 | 161 | 158 | RCOA5310 |
| Total capital | 175,150 | 166,524 | 158,332 | 150,069 | 141,609 | 133,549 | RCOA3792 |
| Total risk-weighted assets | 704,654 | 674,355 | 691,762 | 711,519 | 696,174 | 671,067 | RCOAA223 |
| Average total assets for the leverage ratio | 738,813 | 732,188 | 741,387 | 748,871 | 723,921 | 699,143 | 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 | $21.0M | $4.2M | 20.00% | 0.60% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $43.0M | $8.6M | 20.00% | 1.22% | RC-R Part II, item 2.a, 2.b |
| Loans: all other | $684.1M | $684.1M | 100.00% | 97.08% | RC-R Part II, item 4.d, 5.d |
| All other assets | $7.8M | $7.8M | 100.00% | 1.10% | RC-R Part II, item 8 |
| 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 | $704.7M | ties to item 31 ($704.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $704.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $704.7M | 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 | 24.83% | 24.83% | 24.86% | 23.68% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 24.67% | 24.67% | 24.69% | 22.72% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 22.87% | 22.87% | 22.89% | 21.34% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 21.07% | 21.07% | 21.09% | 20.02% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 20.32% | 20.32% | 20.34% | 19.54% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 19.88% | 19.88% | 19.90% | 19.08% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 18.82% | 18.82% | 18.85% | 17.60% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 17.67% | 17.67% | 17.70% | 16.95% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 17.65% | 17.65% | 17.67% | 17.18% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 18.28% | 18.28% | 18.30% | 17.67% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 17.84% | 17.84% | 17.86% | 16.55% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 16.15% | 16.15% | 16.17% | 15.25% | 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 |
|---|---|---|---|---|---|---|
| Eaglemark Savings Bank (this bank) | Risk-based | 24.83% | 24.83% | 24.86% | 23.68% | |
| Alliance Bank | $755.9M | Risk-based | 11.73% | 11.73% | 12.98% | 10.07% |
| First National Community Bank | $754.7M | CBLR | NA | NA | NA | 12.92% |
| Green Belt Bank & Trust | $758.7M | Risk-based | 10.13% | 10.13% | 11.38% | 9.18% |
| United Valley Bank | $751.6M | CBLR | NA | NA | NA | 10.50% |
| Fortifi Bank | $750.4M | Risk-based | 15.36% | 15.36% | 16.62% | 12.61% |
| First State Bank | $761.7M | CBLR | NA | NA | NA | 11.44% |
| Bac Community Bank | $761.9M | Risk-based | 16.60% | 16.60% | 17.85% | 11.44% |
| Commerce Bank | $762.5M | Risk-based | 29.75% | 29.75% | 30.73% | 12.28% |
| The Genoa Banking Company | $747.8M | Risk-based | 10.95% | 10.95% | 12.13% | 7.58% |
| Peer 25th percentile | 11.14% | 11.14% | 12.35% | 10.07% | ||
| Peer median | 13.55% | 13.55% | 14.80% | 11.44% | ||
| Peer 75th percentile | 16.29% | 16.29% | 17.54% | 12.28% | ||
| This bank's percentile | 83 | 83 | 83 | 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/2605566/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.