Endeavor Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.02% (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: 5.02% (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 11.76% +5.26 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 | $93.9M | 93,877 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $798.0M | 798,038 | RCOAA223 |
| Recomputed ratio | 11.76% | numerator / denominator | |
| Filed ratio | 11.76% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.26 pp | $42.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.76% +3.76 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 | $93.9M | 93,877 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $798.0M | 798,038 | RCOAA223 |
| Recomputed ratio | 11.76% | numerator / denominator | |
| Filed ratio | 11.76% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.76 pp | $30.0M | capital that could be lost first |
Total risk-based capital ratio 13.02% +3.02 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 | $103.9M | 103,867 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $798.0M | 798,038 | RCOAA223 |
| Recomputed ratio | 13.02% | numerator / denominator | |
| Filed ratio | 13.02% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.02 pp | $24.1M | capital that could be lost first |
Tier 1 leverage ratio 11.81% +6.81 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 | $93.9M | 93,877 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $794.6M | 794,563 | RCOAA224 |
| Recomputed ratio | 11.81% | numerator / denominator | |
| Filed ratio | 11.81% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.81 pp | $54.1M | 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 | 70,863 | 70,825 | 60,507 | 60,461 | 61,164 | 60,900 | RCOAP742 |
| Retained earnings | 23,014 | 20,678 | 18,885 | 16,815 | 14,712 | 13,222 | RCOAKW00 |
| Accumulated other comprehensive income | (215) | (173) | (40) | (106) | (407) | (315) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 93,662 | 91,330 | 79,352 | 77,170 | 75,469 | 73,807 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 215 | 173 | (314) | (248) | 53 | (39) | P859 - P840 |
| Common equity Tier 1 capital | 93,877 | 91,503 | 79,038 | 76,922 | 75,522 | 73,768 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 93,877 | 91,503 | 79,038 | 76,922 | 75,522 | 73,768 | RCOA8274 |
| Tier 2 capital | 9,990 | 9,870 | 9,536 | 9,099 | 8,694 | 8,316 | RCOA5311 |
| Allowance includable in Tier 2 capital | 9,990 | 9,870 | 9,536 | 9,099 | 8,694 | 8,316 | RCOA5310 |
| Total capital | 103,867 | 101,373 | 88,574 | 86,021 | 84,216 | 82,084 | RCOA3792 |
| Total risk-weighted assets | 798,038 | 789,002 | 762,824 | 745,142 | 740,307 | 704,431 | RCOAA223 |
| Average total assets for the leverage ratio | 794,563 | 780,923 | 771,461 | 757,515 | 711,941 | 697,724 | 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 | $118.4M | $5.6M | 4.74% | 0.70% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $32.4M | $10.8M | 33.24% | 1.35% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $27.6M | $27.6M | 100.00% | 3.46% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $3.0M | $4.5M | 150.00% | 0.57% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $634.2M | $634.2M | 100.00% | 79.35% | RC-R Part II, item 4.d, 5.d |
| All other assets | $18.3M | $21.8M | 119.33% | 2.73% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $94.7M | $94.7M | 100.00% | 11.84% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $100 | 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 | $799.2M | ties to item 31 ($799.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $799.2M | RCONB704 |
| Less: excess allowance for credit losses | $1.2M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $798.0M | 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 | 11.76% | 11.76% | 13.02% | 11.81% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.60% | 11.60% | 12.85% | 11.72% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.36% | 10.36% | 11.61% | 10.25% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.32% | 10.32% | 11.54% | 10.15% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.20% | 10.20% | 11.38% | 10.61% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 10.47% | 10.47% | 11.65% | 10.57% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.71% | 10.71% | 11.90% | 10.90% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.95% | 10.95% | 12.13% | 11.38% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.88% | 11.88% | 13.08% | 11.70% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.49% | 12.49% | 13.69% | 12.18% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.92% | 10.92% | 12.09% | 10.14% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.26% | 11.26% | 12.51% | 10.20% | 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 |
|---|---|---|---|---|---|---|
| Endeavor Bank (this bank) | Risk-based | 11.76% | 11.76% | 13.02% | 11.81% | |
| The Bank of New Glarus | $823.2M | Risk-based | 11.08% | 11.08% | 12.31% | 9.54% |
| Citizens Bank | $823.4M | Risk-based | 22.17% | 22.17% | 23.43% | 13.88% |
| Macon Bank and Trust Company | $820.5M | CBLR | NA | NA | NA | 9.91% |
| Oregon Pacific Banking Co. dba Oregon Pacific Bank | $825.4M | Risk-based | 14.42% | 14.42% | 15.67% | 11.18% |
| Cibm Bank | $819.7M | Risk-based | 12.29% | 12.29% | 13.54% | 9.91% |
| Premier Bank | $826.5M | CBLR | NA | NA | NA | 9.55% |
| Wilson & Muir Bank & Trust Company | $818.4M | Risk-based | 13.94% | 13.94% | 14.88% | 9.43% |
| Community Federal Savings Bank | $827.0M | Risk-based | 19.14% | 19.14% | 19.98% | 9.94% |
| First Freedom Bank | $817.8M | CBLR | NA | NA | NA | 12.46% |
| Peer 25th percentile | 12.70% | 12.70% | 13.87% | 9.55% | ||
| Peer median | 14.18% | 14.18% | 15.28% | 9.91% | ||
| Peer 75th percentile | 17.96% | 17.96% | 18.90% | 11.18% | ||
| This bank's percentile | 17 | 17 | 17 | 78 |
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/5192496/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.