Extraco Banks, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.14% (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: 9.14% (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 15.88% +9.38 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 | $215.9M | 215,902 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.36B | 1,359,677 | RCOAA223 |
| Recomputed ratio | 15.88% | numerator / denominator | |
| Filed ratio | 15.88% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.38 pp | $127.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.88% +7.88 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 | $215.9M | 215,902 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.36B | 1,359,677 | RCOAA223 |
| Recomputed ratio | 15.88% | numerator / denominator | |
| Filed ratio | 15.88% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.88 pp | $107.1M | capital that could be lost first |
Total risk-based capital ratio 17.14% +7.14 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 | $233.1M | 233,090 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.36B | 1,359,677 | RCOAA223 |
| Recomputed ratio | 17.14% | numerator / denominator | |
| Filed ratio | 17.14% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.14 pp | $97.1M | capital that could be lost first |
Tier 1 leverage ratio 8.67% +3.67 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 | $215.9M | 215,902 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.49B | 2,489,874 | RCOAA224 |
| Recomputed ratio | 8.67% | numerator / denominator | |
| Filed ratio | 8.67% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.67 pp | $91.4M | 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 | 33,100 | 33,030 | 32,970 | 32,910 | 32,850 | 32,791 | RCOAP742 |
| Retained earnings | 182,802 | 179,960 | 176,956 | 171,563 | 168,974 | 165,171 | RCOAKW00 |
| Accumulated other comprehensive income | 1,361 | (567) | (2,488) | (4,210) | (6,414) | (766) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 217,263 | 212,423 | 207,438 | 200,263 | 195,410 | 197,196 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,361) | 567 | 2,488 | 4,210 | 6,414 | 766 | P859 - P840 |
| Common equity Tier 1 capital | 215,902 | 212,990 | 209,926 | 204,473 | 201,824 | 197,962 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 215,902 | 212,990 | 209,926 | 204,473 | 201,824 | 197,962 | RCOA8274 |
| Tier 2 capital | 17,188 | 16,976 | 17,037 | 17,104 | 17,158 | 16,997 | RCOA5311 |
| Allowance includable in Tier 2 capital | 17,188 | 16,976 | 17,037 | 17,104 | 17,158 | 16,997 | RCOA5310 |
| Total capital | 233,090 | 229,966 | 226,963 | 221,577 | 218,982 | 214,959 | RCOA3792 |
| Total risk-weighted assets | 1,359,677 | 1,342,664 | 1,347,596 | 1,353,684 | 1,358,343 | 1,345,958 | RCOAA223 |
| Average total assets for the leverage ratio | 2,489,874 | 2,449,402 | 2,462,874 | 2,452,300 | 2,458,944 | 2,401,927 | 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 | $444.1M | $7.2M | 1.62% | 0.52% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $730.1M | $166.7M | 22.83% | 12.12% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $132.4M | $31.6M | 23.86% | 2.30% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $599.1M | $303.8M | 50.72% | 22.10% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $749.9M | $728.4M | 97.13% | 52.97% | RC-R Part II, item 4.d, 5.d |
| All other assets | $80.6M | $74.1M | 91.95% | 5.39% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $48.4M | $43.1M | 89.12% | 3.14% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $6.3M | $2.2M | 35.17% | 0.16% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $18.0M | NA | 1.31% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.36B | does not tie to item 31 ($1.38B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.38B | RCONB704 |
| Less: excess allowance for credit losses | $15.4M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.36B | 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 | 15.88% | 15.88% | 17.14% | 8.67% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 15.86% | 15.86% | 17.13% | 8.70% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 15.58% | 15.58% | 16.84% | 8.52% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 15.10% | 15.10% | 16.37% | 8.34% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 14.86% | 14.86% | 16.12% | 8.21% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 14.71% | 14.71% | 15.97% | 8.24% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.66% | 14.66% | 15.92% | 8.20% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 14.49% | 14.49% | 15.75% | 7.83% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 14.12% | 14.12% | 15.38% | 8.03% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 14.27% | 14.27% | 15.54% | 8.16% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 14.50% | 14.50% | 15.77% | 8.22% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 14.54% | 14.54% | 15.80% | 8.30% | 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 |
|---|---|---|---|---|---|---|
| Extraco Banks, N.A. (this bank) | Risk-based | 15.88% | 15.88% | 17.14% | 8.67% | |
| Cornerstone Bank | $2.57B | Risk-based | 11.84% | 11.84% | 12.31% | 9.22% |
| United Business Bank | $2.56B | Risk-based | 13.76% | 13.76% | 14.87% | 11.66% |
| First National Bank | $2.59B | Risk-based | 13.42% | 13.42% | 14.68% | 11.12% |
| State Bank of Texas | $2.59B | CBLR | NA | NA | NA | 15.71% |
| Schaumburg Bank & Trust Company, N.A. | $2.56B | Risk-based | 11.07% | 11.07% | 11.62% | 9.36% |
| Wells Fargo Bank South Central, N.A. | $2.59B | Risk-based | 80.53% | 80.53% | 80.84% | 29.69% |
| Meridian Bank | $2.59B | CBLR | NA | NA | NA | 9.72% |
| Horizon Bank, SSB | $2.55B | Risk-based | 11.99% | 11.99% | 13.24% | 8.95% |
| KS Statebank | $2.60B | CBLR | NA | NA | NA | 12.97% |
| Dedham Institution for Savings | $2.60B | Risk-based | 13.93% | 13.93% | 14.69% | 11.39% |
| Peer 25th percentile | 11.91% | 11.91% | 12.78% | 9.45% | ||
| Peer median | 13.42% | 13.42% | 14.68% | 11.26% | ||
| Peer 75th percentile | 13.85% | 13.85% | 14.78% | 12.64% | ||
| This bank's percentile | 86 | 86 | 86 | 0 |
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/537560/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.