Fidelity Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.28% (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: 6.28% (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 13.16% +6.66 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 | $270.3M | 270,282 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.05B | 2,054,480 | RCOAA223 |
| Recomputed ratio | 13.16% | numerator / denominator | |
| Filed ratio | 13.16% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.66 pp | $136.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.16% +5.16 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 | $270.3M | 270,282 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.05B | 2,054,480 | RCOAA223 |
| Recomputed ratio | 13.16% | numerator / denominator | |
| Filed ratio | 13.16% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.16 pp | $105.9M | capital that could be lost first |
Total risk-based capital ratio 14.28% +4.28 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 | $293.3M | 293,326 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.05B | 2,054,480 | RCOAA223 |
| Recomputed ratio | 14.28% | numerator / denominator | |
| Filed ratio | 14.28% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.28 pp | $87.9M | capital that could be lost first |
Tier 1 leverage ratio 9.50% +4.50 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 | $270.3M | 270,282 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.84B | 2,844,753 | RCOAA224 |
| Recomputed ratio | 9.50% | numerator / denominator | |
| Filed ratio | 9.50% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.50 pp | $128.0M | 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 | 97,040 | 97,039 | 97,039 | 97,040 | 97,039 | 97,039 | RCOAP742 |
| Retained earnings | 193,368 | 187,600 | 182,420 | 176,643 | 171,296 | 165,281 | RCOAKW00 |
| Accumulated other comprehensive income | (37,766) | (40,298) | (40,696) | (44,584) | (50,699) | (52,022) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 252,642 | 244,341 | 238,763 | 229,099 | 217,636 | 210,298 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 17,640 | 20,117 | 20,454 | 24,281 | 30,335 | 31,591 | P859 - P840 |
| Common equity Tier 1 capital | 270,282 | 264,458 | 259,217 | 253,380 | 247,971 | 241,889 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 270,282 | 264,458 | 259,217 | 253,380 | 247,971 | 241,889 | RCOA8274 |
| Tier 2 capital | 23,044 | 22,332 | 21,467 | 21,348 | 20,995 | 21,016 | RCOA5311 |
| Allowance includable in Tier 2 capital | 23,044 | 22,332 | 21,467 | 21,348 | 20,995 | 21,016 | RCOA5310 |
| Total capital | 293,326 | 286,790 | 280,684 | 274,728 | 268,966 | 262,905 | RCOA3792 |
| Total risk-weighted assets | 2,054,480 | 1,986,221 | 1,899,155 | 1,889,339 | 1,829,464 | 1,792,678 | RCOAA223 |
| Average total assets for the leverage ratio | 2,844,753 | 2,823,015 | 2,775,573 | 2,735,017 | 2,710,691 | 2,638,958 | 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 | $207.7M | $7.2M | 3.47% | 0.35% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $542.7M | $122.3M | 22.53% | 5.95% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $686.6M | $376.7M | 54.86% | 18.33% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $1.0M | $1.6M | 150.00% | 0.08% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $656K | $984K | 150.00% | 0.05% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.40B | $1.32B | 93.94% | 64.06% | RC-R Part II, item 4.d, 5.d |
| All other assets | $160.1M | $150.5M | 94.02% | 7.32% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $951K | $11.9M | 1250.00% | 0.58% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $37.9M | $31.9M | 84.15% | 1.55% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $212K | $106K | 50.00% | 0.01% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $35.4M | NA | 1.72% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.02B | ties to item 31 ($2.02B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.05B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.05B | 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 | 13.16% | 13.16% | 14.28% | 9.50% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.31% | 13.31% | 14.44% | 9.37% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.65% | 13.65% | 14.78% | 9.34% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.41% | 13.41% | 14.54% | 9.26% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.55% | 13.55% | 14.70% | 9.15% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.49% | 13.49% | 14.67% | 9.17% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.52% | 13.52% | 14.71% | 9.17% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.29% | 13.29% | 14.48% | 9.24% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.43% | 13.43% | 14.60% | 9.24% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.47% | 13.47% | 14.64% | 9.15% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.32% | 13.32% | 14.49% | 9.08% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.51% | 13.51% | 14.69% | 9.17% | 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 |
|---|---|---|---|---|---|---|
| Fidelity Bank (this bank) | Risk-based | 13.16% | 13.16% | 14.28% | 9.50% | |
| First Fidelity Bank | $2.98B | CBLR | NA | NA | NA | 10.22% |
| TIB, N.A. | $2.96B | Risk-based | 20.49% | 20.49% | 21.75% | 13.22% |
| Maine Community Bank | $2.98B | CBLR | NA | NA | NA | 10.11% |
| Susser Bank | $2.99B | Risk-based | 11.65% | 11.65% | 12.90% | 10.10% |
| Texas Regional Bank | $2.95B | Risk-based | 12.06% | 12.06% | 13.08% | 8.77% |
| Nelnet Bank | $3.00B | CBLR | NA | NA | NA | 15.94% |
| West Coast Community Bank | $2.94B | Risk-based | 13.15% | 13.15% | 14.40% | 12.05% |
| Northwest Bank | $3.00B | Risk-based | 11.19% | 11.19% | 12.44% | 10.12% |
| First Federal Savings and Loan Association of Lakewood | $2.94B | Risk-based | 11.93% | 11.93% | 12.92% | 8.37% |
| Minnwest Bank | $2.94B | Risk-based | 12.08% | 12.08% | 13.33% | 10.80% |
| Peer 25th percentile | 11.79% | 11.79% | 12.91% | 10.10% | ||
| Peer median | 12.06% | 12.06% | 13.08% | 10.17% | ||
| Peer 75th percentile | 12.62% | 12.62% | 13.87% | 11.73% | ||
| This bank's percentile | 86 | 86 | 71 | 20 |
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/1007819/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.