FFB Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.83% (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: 8.83% (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 15.57% +9.07 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 | $199.3M | 199,343 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.28B | 1,279,898 | RCOAA223 |
| Recomputed ratio | 15.57% | numerator / denominator | |
| Filed ratio | 15.57% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.07 pp | $116.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.57% +7.57 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 | $199.3M | 199,343 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.28B | 1,279,898 | RCOAA223 |
| Recomputed ratio | 15.57% | numerator / denominator | |
| Filed ratio | 15.57% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.57 pp | $97.0M | capital that could be lost first |
Total risk-based capital ratio 16.83% +6.83 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 | $215.4M | 215,372 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.28B | 1,279,898 | RCOAA223 |
| Recomputed ratio | 16.83% | numerator / denominator | |
| Filed ratio | 16.83% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.83 pp | $87.4M | capital that could be lost first |
Tier 1 leverage ratio 12.20% +7.20 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 | $199.3M | 199,343 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.63B | 1,634,601 | RCOAA224 |
| Recomputed ratio | 12.20% | numerator / denominator | |
| Filed ratio | 12.20% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.20 pp | $117.6M | 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 | 76,534 | 75,342 | 75,185 | 74,901 | 74,390 | 73,803 | RCOAP742 |
| Retained earnings | 122,809 | 124,072 | 157,994 | 154,355 | 147,750 | 152,838 | RCOAKW00 |
| Accumulated other comprehensive income | (12,651) | (14,472) | (12,456) | (14,330) | (17,865) | (17,217) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 186,692 | 184,942 | 220,723 | 214,926 | 204,275 | 209,424 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 12,651 | 14,472 | 12,456 | 14,330 | 17,865 | 17,217 | P859 - P840 |
| Common equity Tier 1 capital | 199,343 | 199,414 | 233,179 | 229,256 | 222,140 | 226,641 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 199,343 | 199,414 | 233,179 | 229,256 | 222,140 | 226,641 | RCOA8274 |
| Tier 2 capital | 16,029 | 15,596 | 15,148 | 14,569 | 14,358 | 13,212 | RCOA5311 |
| Allowance includable in Tier 2 capital | 16,029 | 15,596 | 15,148 | 14,569 | 14,358 | 13,212 | RCOA5310 |
| Total capital | 215,372 | 215,010 | 248,327 | 243,825 | 236,498 | 239,853 | RCOA3792 |
| Total risk-weighted assets | 1,279,898 | 1,245,064 | 1,208,907 | 1,164,242 | 1,147,247 | 1,137,048 | RCOAA223 |
| Average total assets for the leverage ratio | 1,634,601 | 1,566,763 | 1,550,599 | 1,495,633 | 1,541,309 | 1,545,842 | 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 | $47.5M | $457K | 0.96% | 0.04% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $253.0M | $63.7M | 25.18% | 4.97% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $303.3M | $269.4M | 88.81% | 21.01% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $34.5M | $20.3M | 58.89% | 1.58% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $919.6M | $856.8M | 93.17% | 66.81% | RC-R Part II, item 4.d, 5.d |
| All other assets | $70.0M | $64.4M | 92.07% | 5.02% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.2M | $2.2M | 100.00% | 0.17% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $5.1M | NA | 0.40% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.28B | ties to item 31 ($1.28B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.28B | RCONB704 |
| Less: excess allowance for credit losses | $2.5M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.28B | 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 | 15.57% | 15.57% | 16.83% | 12.20% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 16.02% | 16.02% | 17.27% | 12.73% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 19.29% | 19.29% | 20.54% | 15.04% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 19.69% | 19.69% | 20.94% | 15.33% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 19.36% | 19.36% | 20.61% | 14.41% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 19.93% | 19.93% | 21.09% | 14.66% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 19.75% | 19.75% | 20.84% | 14.33% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 19.97% | 19.97% | 21.09% | 14.35% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 19.67% | 19.67% | 20.74% | 14.30% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 19.71% | 19.71% | 20.80% | 14.27% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 18.72% | 18.72% | 19.76% | 13.58% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 18.33% | 18.33% | 19.39% | 13.49% | 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 |
|---|---|---|---|---|---|---|
| FFB Bank (this bank) | Risk-based | 15.57% | 15.57% | 16.83% | 12.20% | |
| International Finance Bank | $1.62B | Risk-based | 10.25% | 10.25% | 11.50% | 8.31% |
| The Citizens Bank | $1.62B | Risk-based | 10.36% | 10.36% | 11.61% | 8.87% |
| The Nodaway Valley Bank | $1.62B | Risk-based | 15.26% | 15.26% | 16.30% | 11.56% |
| Bluestone Bank | $1.62B | Risk-based | 13.29% | 13.29% | 14.00% | 9.52% |
| The State Bank and Trust Company | $1.61B | Risk-based | 12.37% | 12.37% | 13.62% | 10.00% |
| Waukesha State Bank | $1.62B | CBLR | NA | NA | NA | 11.51% |
| Pacific National Bank | $1.61B | Risk-based | 15.31% | 15.31% | 15.94% | 10.80% |
| Bom Bank | $1.61B | CBLR | NA | NA | NA | 10.64% |
| International Bank of Commerce | $1.63B | Risk-based | 21.92% | 21.92% | 22.91% | 15.53% |
| Peer 25th percentile | 11.37% | 11.37% | 12.62% | 9.52% | ||
| Peer median | 13.29% | 13.29% | 14.00% | 10.64% | ||
| Peer 75th percentile | 15.29% | 15.29% | 16.12% | 11.51% | ||
| This bank's percentile | 86 | 86 | 86 | 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/3398623/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.