Exchange Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 12.23% (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: 12.23% (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 18.98% +12.48 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 | $413.2M | 413,216 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.18B | 2,177,527 | RCOAA223 |
| Recomputed ratio | 18.98% | numerator / denominator | |
| Filed ratio | 18.98% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +12.48 pp | $271.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 18.98% +10.98 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 | $413.2M | 413,216 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.18B | 2,177,527 | RCOAA223 |
| Recomputed ratio | 18.98% | numerator / denominator | |
| Filed ratio | 18.98% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +10.98 pp | $239.0M | capital that could be lost first |
Total risk-based capital ratio 20.23% +10.23 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 | $440.5M | 440,496 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.18B | 2,177,527 | RCOAA223 |
| Recomputed ratio | 20.23% | numerator / denominator | |
| Filed ratio | 20.23% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +10.23 pp | $222.7M | capital that could be lost first |
Tier 1 leverage ratio 12.64% +7.64 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 | $413.2M | 413,216 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.27B | 3,269,810 | RCOAA224 |
| Recomputed ratio | 12.64% | numerator / denominator | |
| Filed ratio | 12.64% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.64 pp | $249.7M | 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 | 50,312 | 50,312 | 50,312 | 50,312 | 50,312 | 50,312 | RCOAP742 |
| Retained earnings | 362,904 | 357,922 | 352,645 | 346,118 | 339,790 | 334,976 | RCOAKW00 |
| Accumulated other comprehensive income | (57,807) | (58,173) | (56,230) | (63,719) | (73,681) | (84,177) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 355,409 | 350,061 | 346,727 | 332,711 | 316,421 | 301,111 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 57,807 | 58,173 | 56,230 | 63,719 | 73,681 | 84,177 | P859 - P840 |
| Common equity Tier 1 capital | 413,216 | 408,234 | 402,957 | 396,430 | 390,102 | 385,288 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 413,216 | 408,234 | 402,957 | 396,430 | 390,102 | 385,288 | RCOA8274 |
| Tier 2 capital | 27,280 | 27,354 | 27,393 | 27,339 | 26,381 | 26,100 | RCOA5311 |
| Allowance includable in Tier 2 capital | 27,280 | 27,354 | 27,393 | 27,339 | 26,381 | 26,100 | RCOA5310 |
| Total capital | 440,496 | 435,588 | 430,350 | 423,769 | 416,483 | 411,388 | RCOA3792 |
| Total risk-weighted assets | 2,177,527 | 2,183,506 | 2,182,911 | 2,177,749 | 2,100,089 | 2,077,111 | RCOAA223 |
| Average total assets for the leverage ratio | 3,269,810 | 3,309,179 | 3,396,633 | 3,357,899 | 3,343,311 | 3,341,895 | 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 | $119.6M | $4.5M | 3.80% | 0.21% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.21B | $250.4M | 20.72% | 11.47% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $418.0M | $256.7M | 61.42% | 11.76% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $7.2M | $10.7M | 150.00% | 0.49% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.33B | $1.33B | 99.83% | 60.80% | RC-R Part II, item 4.d, 5.d |
| All other assets | $198.9M | $187.3M | 94.17% | 8.58% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $129.5M | $129.5M | 100.00% | 5.93% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $50K | $50K | 100.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $16.3M | NA | 0.75% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.17B | ties to item 31 ($2.17B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.18B | RCONB704 |
| Less: excess allowance for credit losses | $4.9M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.18B | 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 | 18.98% | 18.98% | 20.23% | 12.64% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 18.70% | 18.70% | 19.95% | 12.34% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 18.46% | 18.46% | 19.71% | 11.86% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 18.20% | 18.20% | 19.46% | 11.81% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 18.58% | 18.58% | 19.83% | 11.67% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 18.55% | 18.55% | 19.81% | 11.53% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 17.93% | 17.93% | 19.18% | 11.07% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 18.17% | 18.17% | 19.43% | 10.90% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 17.85% | 17.85% | 19.11% | 10.89% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 17.71% | 17.71% | 18.97% | 10.73% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 17.58% | 17.58% | 18.84% | 10.52% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 17.66% | 17.66% | 18.92% | 10.43% | 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 |
|---|---|---|---|---|---|---|
| Exchange Bank (this bank) | Risk-based | 18.98% | 18.98% | 20.23% | 12.64% | |
| Bank of Greene | $3.18B | Risk-based | 15.85% | 15.85% | 17.10% | 9.88% |
| Unity Bank | $3.18B | Risk-based | 14.27% | 14.27% | 15.52% | 12.88% |
| First Citizens Community Bank | $3.19B | CBLR | NA | NA | NA | 9.64% |
| First National Bank | $3.18B | Risk-based | 13.05% | 13.05% | 14.18% | 9.20% |
| 1st Security Bank of Washington | $3.18B | Risk-based | 12.84% | 12.84% | 14.01% | 11.44% |
| North American Savings Bank, FSB | $3.20B | Risk-based | 17.49% | 17.49% | 18.74% | 14.21% |
| U.S. Bank Trust Company, N.A. | $3.21B | Risk-based | 409.95% | 409.95% | 409.95% | 98.64% |
| Monet Bank | $3.16B | Risk-based | 135.52% | 135.52% | 136.07% | 31.69% |
| Farmers Bank & Trust Company | $3.16B | CBLR | NA | NA | NA | 9.87% |
| Centreville Bank | $3.15B | CBLR | NA | NA | NA | 13.35% |
| Peer 25th percentile | 13.66% | 13.66% | 14.85% | 9.87% | ||
| Peer median | 15.85% | 15.85% | 17.10% | 12.16% | ||
| Peer 75th percentile | 76.50% | 76.50% | 77.40% | 14.00% | ||
| This bank's percentile | 71 | 71 | 71 | 50 |
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/507068/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.