Family Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 15.17% (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: 15.17% (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 21.90% +15.40 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 | $22.8M | 22,768 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $103.9M | 103,943 | RCOAA223 |
| Recomputed ratio | 21.90% | numerator / denominator | |
| Filed ratio | 21.90% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +15.40 pp | $16.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 21.90% +13.90 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 | $22.8M | 22,768 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $103.9M | 103,943 | RCOAA223 |
| Recomputed ratio | 21.90% | numerator / denominator | |
| Filed ratio | 21.90% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +13.90 pp | $14.5M | capital that could be lost first |
Total risk-based capital ratio 23.17% +13.17 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 | $24.1M | 24,086 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $103.9M | 103,943 | RCOAA223 |
| Recomputed ratio | 23.17% | numerator / denominator | |
| Filed ratio | 23.17% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +13.17 pp | $13.7M | capital that could be lost first |
Tier 1 leverage ratio 14.13% +9.13 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 | $22.8M | 22,768 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $161.1M | 161,132 | RCOAA224 |
| Recomputed ratio | 14.13% | numerator / denominator | |
| Filed ratio | 14.13% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +9.13 pp | $14.7M | 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 | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 22,768 | 22,318 | 21,672 | 21,108 | 20,624 | 20,095 | RCOAKW00 |
| Accumulated other comprehensive income | (16) | (13) | (15) | (14) | (22) | (18) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 22,752 | 22,305 | 21,657 | 21,094 | 20,602 | 20,077 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 16 | 13 | 15 | 14 | 22 | 18 | P859 - P840 |
| Common equity Tier 1 capital | 22,768 | 22,318 | 21,672 | 21,108 | 20,624 | 20,095 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 22,768 | 22,318 | 21,672 | 21,108 | 20,624 | 20,095 | RCOA8274 |
| Tier 2 capital | 1,318 | 1,289 | 1,250 | 1,247 | 1,202 | 1,141 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,318 | 1,289 | 1,250 | 1,247 | 1,202 | 1,141 | RCOA5310 |
| Total capital | 24,086 | 23,607 | 22,922 | 22,355 | 21,826 | 21,236 | RCOA3792 |
| Total risk-weighted assets | 103,943 | 101,683 | 98,762 | 98,628 | 95,212 | 90,290 | RCOAA223 |
| Average total assets for the leverage ratio | 161,132 | 157,263 | 154,782 | 151,688 | 150,697 | 151,148 | 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 | $6.4M | $1.3M | 20.00% | 1.21% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $298K | $0 | 0.00% | 0.00% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $95.9M | $50.3M | 52.46% | 47.69% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $735K | $1.1M | 150.00% | 1.05% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $46.0M | $44.4M | 96.57% | 42.15% | RC-R Part II, item 4.d, 5.d |
| All other assets | $6.2M | $6.2M | 99.98% | 5.88% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.1M | $2.1M | 100.00% | 2.03% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1K | 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 | $105.4M | does not tie to item 31 ($105.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $105.4M | RCONB704 |
| Less: excess allowance for credit losses | $1.5M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $103.9M | 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 | 21.90% | 21.90% | 23.17% | 14.13% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 21.95% | 21.95% | 23.22% | 14.19% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 21.94% | 21.94% | 23.21% | 14.00% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 21.40% | 21.40% | 22.67% | 13.92% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 21.66% | 21.66% | 22.92% | 13.69% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 22.26% | 22.26% | 23.52% | 13.29% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 21.62% | 21.62% | 22.88% | 13.02% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 21.23% | 21.23% | 22.49% | 12.67% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 20.83% | 20.83% | 22.09% | 12.50% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 20.50% | 20.50% | 21.76% | 12.62% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 20.60% | 20.60% | 21.86% | 12.81% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 20.67% | 20.67% | 21.93% | 12.47% | 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 |
|---|---|---|---|---|---|---|
| Family Bank (this bank) | Risk-based | 21.90% | 21.90% | 23.17% | 14.13% | |
| Park State Bank & Trust | $162.3M | Risk-based | 18.96% | 18.96% | 20.21% | 11.27% |
| First State Bank of Porter | $162.3M | CBLR | NA | NA | NA | 16.80% |
| Bank of Dade | $162.3M | Risk-based | 16.35% | 16.35% | 17.61% | 9.45% |
| First Security Bank | $161.7M | Risk-based | 10.82% | 10.82% | 12.08% | 7.93% |
| First Bank | $162.4M | CBLR | NA | NA | NA | 12.41% |
| The Antwerp Exchange Bank Company | $161.3M | CBLR | NA | NA | NA | 9.72% |
| Fidelity Bank of Texas | $162.8M | CBLR | NA | NA | NA | 10.65% |
| Community State Bank | $161.2M | CBLR | NA | NA | NA | 9.41% |
| Security Bank of Pulaski County | $162.9M | Risk-based | 13.55% | 13.55% | 14.80% | 8.91% |
| The Farmers National Bank of Lebanon | $163.0M | CBLR | NA | NA | NA | 10.72% |
| Peer 25th percentile | 12.87% | 12.87% | 14.12% | 9.42% | ||
| Peer median | 14.95% | 14.95% | 16.20% | 10.19% | ||
| Peer 75th percentile | 17.01% | 17.01% | 18.26% | 11.13% | ||
| This bank's percentile | 100 | 100 | 100 | 90 |
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/156970/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.