Eastbank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 23.11% (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: 23.11% (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 29.85% +23.35 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 | $35.6M | 35,593 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $119.2M | 119,226 | RCOAA223 |
| Recomputed ratio | 29.85% | numerator / denominator | |
| Filed ratio | 29.85% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +23.35 pp | $27.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 29.85% +21.85 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 | $35.6M | 35,593 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $119.2M | 119,226 | RCOAA223 |
| Recomputed ratio | 29.85% | numerator / denominator | |
| Filed ratio | 29.85% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +21.85 pp | $26.1M | capital that could be lost first |
Total risk-based capital ratio 31.11% +21.11 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 | $37.1M | 37,096 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $119.2M | 119,226 | RCOAA223 |
| Recomputed ratio | 31.11% | numerator / denominator | |
| Filed ratio | 31.11% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +21.11 pp | $25.2M | capital that could be lost first |
Tier 1 leverage ratio 22.99% +17.99 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 | $35.6M | 35,593 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $154.8M | 154,814 | RCOAA224 |
| Recomputed ratio | 22.99% | numerator / denominator | |
| Filed ratio | 22.99% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +17.99 pp | $27.9M | 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 | 6,001 | 6,001 | 6,001 | 6,001 | 6,001 | 6,001 | RCOAP742 |
| Retained earnings | 29,592 | 29,409 | 29,275 | 30,212 | 27,726 | 27,800 | RCOAKW00 |
| Accumulated other comprehensive income | (574) | (473) | (243) | (530) | (5,259) | (5,107) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 35,019 | 34,937 | 35,033 | 35,683 | 28,468 | 28,694 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 574 | 473 | 243 | 530 | 5,259 | 5,107 | P859 - P840 |
| Common equity Tier 1 capital | 35,593 | 35,410 | 35,276 | 36,213 | 33,727 | 33,801 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 35,593 | 35,410 | 35,276 | 36,213 | 33,727 | 33,801 | RCOA8274 |
| Tier 2 capital | 1,503 | 1,431 | 1,434 | 1,288 | 1,439 | 1,458 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,503 | 1,431 | 1,434 | 1,288 | 1,439 | 1,458 | RCOA5310 |
| Total capital | 37,096 | 36,841 | 36,710 | 37,501 | 35,166 | 35,259 | RCOA3792 |
| Total risk-weighted assets | 119,226 | 113,399 | 113,632 | 102,168 | 114,368 | 115,884 | RCOAA223 |
| Average total assets for the leverage ratio | 154,814 | 145,910 | 149,962 | 152,263 | 152,533 | 159,839 | 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 | $17.0M | $214K | 1.26% | 0.18% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $29.2M | $21.0M | 72.02% | 17.48% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $199K | $40K | 20.00% | 0.03% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $45.1M | $36.2M | 80.33% | 30.08% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $56.2M | $54.5M | 97.03% | 45.34% | RC-R Part II, item 4.d, 5.d |
| All other assets | $8.8M | $8.1M | 91.84% | 6.70% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $240K | $240K | 100.00% | 0.20% | 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 | $120.3M | ties to item 31 ($120.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $120.3M | RCONB704 |
| Less: excess allowance for credit losses | $1.1M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $119.2M | 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 | 29.85% | 29.85% | 31.11% | 22.99% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 31.23% | 31.23% | 32.49% | 24.27% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 31.04% | 31.04% | 32.31% | 23.52% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 35.44% | 35.44% | 36.71% | 23.78% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 29.49% | 29.49% | 30.75% | 22.11% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 29.17% | 29.17% | 30.43% | 21.15% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 29.15% | 29.15% | 30.40% | 20.70% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 29.52% | 29.52% | 30.78% | 21.74% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 29.21% | 29.21% | 30.47% | 21.66% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 30.06% | 30.06% | 31.32% | 21.20% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 29.90% | 29.90% | 31.16% | 21.08% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 30.97% | 30.97% | 32.23% | 20.85% | 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 |
|---|---|---|---|---|---|---|
| Eastbank, N.A. (this bank) | Risk-based | 29.85% | 29.85% | 31.11% | 22.99% | |
| Lake Region Bank | $153.0M | Risk-based | 18.78% | 18.78% | 19.67% | 10.43% |
| Bluff View Bank | $152.8M | Risk-based | 20.04% | 20.04% | 20.95% | 14.94% |
| Citizens State Bank of Arlington | $153.2M | CBLR | NA | NA | NA | 11.74% |
| American Heritage Bank | $153.2M | Risk-based | 18.55% | 18.55% | 19.80% | 11.09% |
| Bay Port State Bank | $153.4M | CBLR | NA | NA | NA | 10.89% |
| Bank of Whittier, N.A. | $152.6M | CBLR | NA | NA | NA | 16.38% |
| Priority Bank | $153.4M | CBLR | NA | NA | NA | 10.52% |
| First National Bank of Fort Stockton | $153.5M | CBLR | NA | NA | NA | 12.20% |
| Nationwide Trust Company, FSB | $153.6M | Risk-based | 141.82% | 141.82% | 141.82% | 36.89% |
| Guaranty Bank Inc. | $152.4M | Risk-based | 17.97% | 17.97% | 19.23% | 13.62% |
| Peer 25th percentile | 18.55% | 18.55% | 19.67% | 10.94% | ||
| Peer median | 18.78% | 18.78% | 19.80% | 11.97% | ||
| Peer 75th percentile | 20.04% | 20.04% | 20.95% | 14.61% | ||
| This bank's percentile | 80 | 80 | 80 | 90 |
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/98717/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.