Edward Jones Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 347.57% (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: 347.57% (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 355.57% +349.07 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 | $146.9M | 146,925 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $41.3M | 41,321 | RCOAA223 |
| Recomputed ratio | 355.57% | numerator / denominator | |
| Filed ratio | 355.57% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +349.07 pp | $144.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 355.57% +347.57 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 | $146.9M | 146,925 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $41.3M | 41,321 | RCOAA223 |
| Recomputed ratio | 355.57% | numerator / denominator | |
| Filed ratio | 355.57% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +347.57 pp | $143.6M | capital that could be lost first |
Total risk-based capital ratio 355.57% +345.57 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 | $146.9M | 146,925 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $41.3M | 41,321 | RCOAA223 |
| Recomputed ratio | 355.57% | numerator / denominator | |
| Filed ratio | 355.57% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +345.57 pp | $142.8M | capital that could be lost first |
Tier 1 leverage ratio 98.18% +93.18 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 | $146.9M | 146,925 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $149.6M | 149,647 | RCOAA224 |
| Recomputed ratio | 98.18% | numerator / denominator | |
| Filed ratio | 98.18% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +93.18 pp | $139.4M | 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 | 9,341 | 9,341 | 9,341 | 9,341 | 9,341 | 9,341 | RCOAP742 |
| Retained earnings | 137,584 | 132,341 | 130,943 | 126,040 | 122,137 | 118,885 | 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 | 146,925 | 141,682 | 140,284 | 135,381 | 131,478 | 128,226 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 0 | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 146,925 | 141,682 | 140,284 | 135,381 | 131,478 | 128,226 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 146,925 | 141,682 | 140,284 | 135,381 | 131,478 | 128,226 | RCOA8274 |
| Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOA5311 |
| Allowance includable in Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOA5310 |
| Total capital | 146,925 | 141,682 | 140,284 | 135,381 | 131,478 | 128,226 | RCOA3792 |
| Total risk-weighted assets | 41,321 | 41,119 | 38,832 | 39,255 | 37,127 | 37,035 | RCOAA223 |
| Average total assets for the leverage ratio | 149,647 | 146,620 | 144,242 | 139,555 | 140,743 | 132,585 | 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 | $58.4M | $11.5M | 19.77% | 27.95% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $90.4M | $18.1M | 20.00% | 43.75% | RC-R Part II, item 2.a, 2.b |
| All other assets | $11.7M | $11.7M | 100.00% | 28.30% | 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 | $41.3M | ties to item 31 ($41.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $41.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $41.3M | 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 | 355.57% | 355.57% | 355.57% | 98.18% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 344.57% | 344.57% | 344.57% | 96.63% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 361.26% | 361.26% | 361.26% | 97.26% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 344.88% | 344.88% | 344.88% | 97.01% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 354.13% | 354.13% | 354.13% | 93.42% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 346.23% | 346.23% | 346.23% | 96.71% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | NA | NA | NA | 96.77% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | NA | NA | NA | 98.42% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | NA | NA | NA | 97.95% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | NA | NA | NA | 97.43% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | NA | NA | NA | 97.79% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | NA | NA | NA | 93.45% | 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 |
|---|---|---|---|---|---|---|
| Edward Jones Trust Company (this bank) | Risk-based | 355.57% | 355.57% | 355.57% | 98.18% | |
| West Central Georgia Bank | $160.4M | CBLR | NA | NA | NA | 22.22% |
| Central Bank | $160.2M | Risk-based | 19.79% | 19.79% | 21.04% | 11.95% |
| Bank of Greeleyville | $160.1M | CBLR | NA | NA | NA | 10.62% |
| The Bank of Baker | $160.9M | CBLR | NA | NA | NA | 10.85% |
| Bank of Belle Glade | $160.1M | CBLR | NA | NA | NA | 10.23% |
| First State Bank of Campbell Hill | $160.1M | Risk-based | 21.75% | 21.75% | 22.75% | 13.82% |
| The First State Bank | $160.0M | CBLR | NA | NA | NA | 9.93% |
| Belmont Savings Bank, SSB | $161.0M | CBLR | NA | NA | NA | 12.88% |
| Bank of Dawson | $159.9M | Risk-based | 25.77% | 25.77% | 27.03% | 18.15% |
| Peer 25th percentile | 20.77% | 20.77% | 21.90% | 10.62% | ||
| Peer median | 21.75% | 21.75% | 22.75% | 11.95% | ||
| Peer 75th percentile | 23.76% | 23.76% | 24.89% | 13.82% | ||
| 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/3529315/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.