El Dorado Savings Bank, F.S.B.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 46.20% (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: 46.20% (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 53.22% +46.72 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 | $329.4M | 329,409 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $618.9M | 618,922 | RCOAA223 |
| Recomputed ratio | 53.22% | numerator / denominator | |
| Filed ratio | 53.22% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +46.72 pp | $289.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 53.22% +45.22 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 | $329.4M | 329,409 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $618.9M | 618,922 | RCOAA223 |
| Recomputed ratio | 53.22% | numerator / denominator | |
| Filed ratio | 53.22% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +45.22 pp | $279.9M | capital that could be lost first |
Total risk-based capital ratio 54.20% +44.20 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 | $335.5M | 335,451 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $618.9M | 618,922 | RCOAA223 |
| Recomputed ratio | 54.20% | numerator / denominator | |
| Filed ratio | 54.20% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +44.20 pp | $273.6M | capital that could be lost first |
Tier 1 leverage ratio 13.43% +8.43 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 | $329.4M | 329,409 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.45B | 2,452,043 | RCOAA224 |
| Recomputed ratio | 13.43% | numerator / denominator | |
| Filed ratio | 13.43% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.43 pp | $206.8M | 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 | 705 | 705 | 705 | 705 | 705 | 705 | RCOAP742 |
| Retained earnings | 335,295 | 331,053 | 326,910 | 322,240 | 317,270 | 312,865 | RCOAKW00 |
| Accumulated other comprehensive income | 181 | 186 | 200 | 207 | 216 | 223 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 336,181 | 331,944 | 327,815 | 323,152 | 318,191 | 313,793 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (6,772) | (6,723) | (6,699) | (6,532) | (6,415) | (6,409) | P859 - P840 |
| Common equity Tier 1 capital | 329,409 | 325,221 | 321,116 | 316,620 | 311,776 | 307,384 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 329,409 | 325,221 | 321,116 | 316,620 | 311,776 | 307,384 | RCOA8274 |
| Tier 2 capital | 6,042 | 6,102 | 6,111 | 6,127 | 6,154 | 6,120 | RCOA5311 |
| Allowance includable in Tier 2 capital | 6,042 | 6,102 | 6,111 | 6,127 | 6,154 | 6,120 | RCOA5310 |
| Total capital | 335,451 | 331,323 | 327,227 | 322,747 | 317,930 | 313,504 | RCOA3792 |
| Total risk-weighted assets | 618,922 | 611,635 | 608,480 | 602,253 | 608,305 | 612,257 | RCOAA223 |
| Average total assets for the leverage ratio | 2,452,043 | 2,479,990 | 2,481,070 | 2,490,632 | 2,456,081 | 2,424,192 | 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 | $543.8M | $2.2M | 0.41% | 0.36% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.35B | $270.6M | 20.05% | 43.73% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $491.4M | $277.4M | 56.44% | 44.82% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $2.4M | $2.4M | 100.00% | 0.39% | RC-R Part II, item 4.d, 5.d |
| All other assets | $50.1M | $38.1M | 76.03% | 6.15% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $1K | $12K | 1250.00% | 0.00% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $29.5M | $28.2M | 95.74% | 4.56% | 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 | $618.9M | ties to item 31 ($618.9M) |
|---|---|---|
| Risk-weighted assets before deductions | $618.9M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $618.9M | 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 | 53.22% | 53.22% | 54.20% | 13.43% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 53.17% | 53.17% | 54.17% | 13.11% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 52.77% | 52.77% | 53.78% | 12.94% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 52.57% | 52.57% | 53.59% | 12.71% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 51.25% | 51.25% | 52.26% | 12.69% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 50.21% | 50.21% | 51.20% | 12.68% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 49.56% | 49.56% | 50.56% | 12.56% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 47.88% | 47.88% | 48.86% | 12.47% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 45.64% | 45.64% | 46.59% | 12.31% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 44.29% | 44.29% | 45.22% | 12.06% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 43.16% | 43.16% | 44.07% | 11.72% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 41.36% | 41.36% | 42.25% | 11.17% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| El Dorado Savings Bank, F.S.B. (this bank) | Risk-based | 53.22% | 53.22% | 54.20% | 13.43% | |
| Credit One Bank, N.A. | $2.44B | CBLR | NA | NA | NA | 28.17% |
| Traditional Bank, Inc. | $2.44B | Risk-based | 14.02% | 14.02% | 15.11% | 10.56% |
| Cogent Bank | $2.45B | Risk-based | 11.95% | 11.95% | 13.01% | 9.72% |
| First County Bank | $2.42B | Risk-based | 12.08% | 12.08% | 13.02% | 9.55% |
| Peoples Bank | $2.42B | CBLR | NA | NA | NA | 13.27% |
| Coastal States Bank | $2.42B | Risk-based | 12.30% | 12.30% | 13.39% | 11.12% |
| Somerset Trust Company | $2.47B | Risk-based | 12.72% | 12.72% | 13.97% | 9.10% |
| First United Bank | $2.41B | Risk-based | 15.64% | 15.64% | 16.83% | 11.17% |
| Newtek Bank, N.A. | $2.47B | Risk-based | 11.52% | 11.52% | 12.79% | 8.66% |
| Peer 25th percentile | 12.02% | 12.02% | 13.01% | 9.55% | ||
| Peer median | 12.30% | 12.30% | 13.39% | 10.56% | ||
| Peer 75th percentile | 13.37% | 13.37% | 14.54% | 11.17% | ||
| This bank's percentile | 100 | 100 | 100 | 89 |
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/961576/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.