Falcon International Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 12.95% (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: 12.95% (RCFAH311).
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 19.86% +13.36 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 | $311.9M | 311,903 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.57B | 1,570,326 | RCFAA223 |
| Recomputed ratio | 19.86% | numerator / denominator | |
| Filed ratio | 19.86% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +13.36 pp | $209.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 19.86% +11.86 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 | $311.9M | 311,903 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.57B | 1,570,326 | RCFAA223 |
| Recomputed ratio | 19.86% | numerator / denominator | |
| Filed ratio | 19.86% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +11.86 pp | $186.3M | capital that could be lost first |
Total risk-based capital ratio 20.95% +10.95 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 | $329.0M | 329,034 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.57B | 1,570,326 | RCFAA223 |
| Recomputed ratio | 20.95% | numerator / denominator | |
| Filed ratio | 20.95% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +10.95 pp | $172.0M | capital that could be lost first |
Tier 1 leverage ratio 13.44% +8.44 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 | $311.9M | 311,903 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.32B | 2,320,216 | RCFAA224 |
| Recomputed ratio | 13.44% | numerator / denominator | |
| Filed ratio | 13.44% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.44 pp | $195.9M | 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 | 68,415 | 68,415 | 68,415 | 68,415 | 68,415 | 68,415 | RCFAP742 |
| Retained earnings | 243,488 | 236,231 | 229,890 | 223,241 | 216,545 | 209,730 | RCFAKW00 |
| Accumulated other comprehensive income | (36,612) | (36,954) | (35,530) | (37,271) | (40,503) | (40,806) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 275,291 | 267,692 | 262,775 | 254,385 | 244,457 | 237,339 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | 36,612 | 36,954 | 35,530 | 37,271 | 40,503 | 40,806 | P859 - P840 |
| Common equity Tier 1 capital | 311,903 | 304,646 | 298,305 | 291,656 | 284,960 | 278,145 | RCFAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 311,903 | 304,646 | 298,305 | 291,656 | 284,960 | 278,145 | RCFA8274 |
| Tier 2 capital | 17,131 | 16,929 | 16,704 | 15,996 | 15,405 | 15,058 | RCFA5311 |
| Allowance includable in Tier 2 capital | 17,131 | 16,929 | 16,704 | 15,996 | 15,405 | 15,058 | RCFA5310 |
| Total capital | 329,034 | 321,575 | 315,009 | 307,652 | 300,365 | 293,203 | RCFA3792 |
| Total risk-weighted assets | 1,570,326 | 1,570,367 | 1,527,981 | 1,498,974 | 1,480,014 | 1,449,229 | RCFAA223 |
| Average total assets for the leverage ratio | 2,320,216 | 2,278,108 | 2,192,125 | 2,173,094 | 2,184,092 | 2,154,694 | RCFAA224 |
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 | $344.5M | $64.7M | 18.77% | 4.12% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $402.5M | $68.2M | 16.94% | 4.34% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $5.0M | $1.0M | 20.00% | 0.06% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $141.3M | $73.2M | 51.80% | 4.66% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $49.0M | $73.6M | 150.00% | 4.68% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $61K | $92K | 150.00% | 0.01% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.27B | $1.14B | 89.64% | 72.53% | RC-R Part II, item 4.d, 5.d |
| All other assets | $98.6M | $95.5M | 96.92% | 6.08% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $57.7M | $55.1M | 95.60% | 3.51% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $400 | 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 | $1.57B | ties to item 31 ($1.57B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.57B | RCFDB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.57B | RCFDG641, 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 | 19.86% | 19.86% | 20.95% | 13.44% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 19.40% | 19.40% | 20.48% | 13.37% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 19.52% | 19.52% | 20.62% | 13.61% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 19.46% | 19.46% | 20.52% | 13.42% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 19.25% | 19.25% | 20.29% | 13.05% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 19.19% | 19.19% | 20.23% | 12.91% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 19.21% | 19.21% | 20.27% | 13.25% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 20.21% | 20.21% | 21.33% | 13.08% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 20.27% | 20.27% | 21.42% | 12.28% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 19.18% | 19.18% | 20.29% | 12.08% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 19.31% | 19.31% | 20.44% | 12.21% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 18.74% | 18.74% | 19.87% | 11.63% | 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 |
|---|---|---|---|---|---|---|
| Falcon International Bank (this bank) | Risk-based | 19.86% | 19.86% | 20.95% | 13.44% | |
| The Bank of Princeton | $2.25B | Risk-based | 13.60% | 13.60% | 14.67% | 11.69% |
| Bank of Tennessee | $2.25B | Risk-based | 11.31% | 11.31% | 12.29% | 9.63% |
| American Bank & Trust | $2.25B | Risk-based | 15.24% | 15.24% | 16.33% | 11.28% |
| Waterstone Bank | $2.25B | Risk-based | 18.66% | 18.66% | 19.68% | 15.43% |
| Five Points Bank | $2.24B | Risk-based | 13.48% | 13.48% | 14.68% | 10.30% |
| South Central Bank, Inc. | $2.26B | Risk-based | 12.08% | 12.08% | 13.12% | 9.88% |
| Regent Bank | $2.24B | Risk-based | 9.93% | 9.93% | 11.07% | 9.85% |
| Crystal Lake Bank & Trust Company, N.A. | $2.26B | Risk-based | 10.79% | 10.79% | 11.63% | 9.65% |
| MainStreet Bank | $2.24B | Risk-based | 14.14% | 14.14% | 15.14% | 12.78% |
| Country Bank for Savings | $2.24B | CBLR | NA | NA | NA | 14.84% |
| Peer 25th percentile | 11.31% | 11.31% | 12.29% | 9.86% | ||
| Peer median | 13.48% | 13.48% | 14.67% | 10.79% | ||
| Peer 75th percentile | 14.14% | 14.14% | 15.14% | 12.51% | ||
| This bank's percentile | 100 | 100 | 100 | 80 |
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/564557/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.