Equity Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.22% (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: 6.22% (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 13.08% +6.58 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 | $764.2M | 764,162 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $5.84B | 5,843,865 | RCOAA223 |
| Recomputed ratio | 13.08% | numerator / denominator | |
| Filed ratio | 13.08% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.58 pp | $384.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.08% +5.08 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 | $764.2M | 764,162 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $5.84B | 5,843,865 | RCOAA223 |
| Recomputed ratio | 13.08% | numerator / denominator | |
| Filed ratio | 13.08% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.08 pp | $296.7M | capital that could be lost first |
Total risk-based capital ratio 14.22% +4.22 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 | $831.1M | 831,076 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $5.84B | 5,843,865 | RCOAA223 |
| Recomputed ratio | 14.22% | numerator / denominator | |
| Filed ratio | 14.22% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.22 pp | $246.7M | capital that could be lost first |
Tier 1 leverage ratio 10.64% +5.64 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 | $764.2M | 764,162 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $7.18B | 7,182,736 | RCOAA224 |
| Recomputed ratio | 10.64% | numerator / denominator | |
| Filed ratio | 10.64% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.64 pp | $405.0M | 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 | 819,330 | 817,865 | 661,539 | 655,360 | 558,419 | 557,302 | RCOAP742 |
| Retained earnings | 81,204 | 61,703 | 81,690 | 61,852 | 89,265 | 90,691 | RCOAKW00 |
| Accumulated other comprehensive income | (4,765) | 5 | 6,111 | 3,821 | (41,219) | (45,972) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 895,769 | 879,573 | 749,340 | 721,033 | 606,465 | 602,021 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (131,607) | (139,172) | (111,981) | (105,716) | (29,191) | (25,383) | P859 - P840 |
| Common equity Tier 1 capital | 764,162 | 740,401 | 637,359 | 615,317 | 577,274 | 576,638 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 764,162 | 740,401 | 637,359 | 615,317 | 577,274 | 576,638 | RCOA8274 |
| Tier 2 capital | 66,914 | 66,746 | 54,510 | 54,406 | 46,548 | 47,262 | RCOA5311 |
| Allowance includable in Tier 2 capital | 66,914 | 66,746 | 54,510 | 54,406 | 46,548 | 47,262 | RCOA5310 |
| Total capital | 831,076 | 807,147 | 691,869 | 669,723 | 623,822 | 623,900 | RCOA3792 |
| Total risk-weighted assets | 5,843,865 | 5,841,697 | 4,674,855 | 4,689,021 | 3,993,882 | 3,995,463 | RCOAA223 |
| Average total assets for the leverage ratio | 7,182,736 | 7,276,532 | 6,015,057 | 5,991,341 | 5,183,885 | 5,198,320 | 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 | $550.3M | $7.0M | 1.28% | 0.12% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.23B | $245.9M | 19.94% | 4.21% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $43.2M | $80K | 0.19% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $1.18B | $590.1M | 50.00% | 10.10% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $63.6M | $86.0M | 135.13% | 1.47% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $4.16B | $3.96B | 95.07% | 67.75% | RC-R Part II, item 4.d, 5.d |
| All other assets | $440.4M | $395.0M | 89.68% | 6.76% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $905K | $11.3M | 1250.00% | 0.19% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $538.8M | $538.8M | 100.00% | 9.22% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $5.5M | $1.3M | 23.10% | 0.02% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $8.9M | NA | 0.15% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $5.83B | ties to item 31 ($5.83B) |
|---|---|---|
| Risk-weighted assets before deductions | $5.84B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $5.84B | 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 | 13.08% | 13.08% | 14.22% | 10.64% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.67% | 12.67% | 13.82% | 10.18% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.63% | 13.63% | 14.80% | 10.60% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.12% | 13.12% | 14.28% | 10.27% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 14.45% | 14.45% | 15.62% | 11.14% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 14.43% | 14.43% | 15.62% | 11.09% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.15% | 14.15% | 15.27% | 10.93% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.03% | 13.03% | 14.12% | 10.43% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.93% | 12.93% | 14.04% | 10.11% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.15% | 13.15% | 14.30% | 10.20% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.86% | 13.86% | 15.05% | 10.60% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 14.67% | 14.67% | 15.88% | 10.80% | 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 |
|---|---|---|---|---|---|---|
| Equity Bank (this bank) | Risk-based | 13.08% | 13.08% | 14.22% | 10.64% | |
| Preferred Bank | $7.73B | Risk-based | 11.06% | 11.06% | 13.74% | 10.55% |
| Bangor Savings Bank | $7.74B | Risk-based | 10.38% | 10.38% | 11.14% | 7.79% |
| Stockman Bank of Montana | $7.75B | Risk-based | 12.01% | 12.01% | 13.27% | 9.89% |
| Kearny Bank | $7.67B | Risk-based | 13.44% | 13.44% | 14.38% | 8.83% |
| Ocean Bank | $7.63B | Risk-based | 11.41% | 11.41% | 12.66% | 9.96% |
| Bank of Colorado | $7.61B | Risk-based | 14.74% | 14.74% | 15.99% | 10.53% |
| Bankers Trust Company | $7.83B | Risk-based | 10.95% | 11.03% | 12.25% | 10.10% |
| Ridgewood Savings Bank | $7.55B | CBLR | NA | NA | NA | 13.27% |
| Northpointe Bank | $7.53B | Risk-based | 11.10% | 11.10% | 11.26% | 9.54% |
| Peer 25th percentile | 11.04% | 11.06% | 12.01% | 9.54% | ||
| Peer median | 11.26% | 11.26% | 12.97% | 9.96% | ||
| Peer 75th percentile | 12.37% | 12.37% | 13.90% | 10.53% | ||
| This bank's percentile | 75 | 75 | 75 | 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/139656/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.