Fidelity Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.78% (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: 3.78% (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 11.02% +4.52 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 | $15.8M | 15,831 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $143.7M | 143,705 | RCOAA223 |
| Recomputed ratio | 11.02% | numerator / denominator | |
| Filed ratio | 11.02% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.52 pp | $6.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.02% +3.02 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 | $15.8M | 15,831 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $143.7M | 143,705 | RCOAA223 |
| Recomputed ratio | 11.02% | numerator / denominator | |
| Filed ratio | 11.02% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.02 pp | $4.3M | capital that could be lost first |
Total risk-based capital ratio 11.78% +1.78 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 | $16.9M | 16,924 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $143.7M | 143,705 | RCOAA223 |
| Recomputed ratio | 11.78% | numerator / denominator | |
| Filed ratio | 11.78% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.78 pp | $2.6M | capital that could be lost first |
Tier 1 leverage ratio 7.97% +2.97 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 | $15.8M | 15,831 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $198.6M | 198,554 | RCOAA224 |
| Recomputed ratio | 7.97% | numerator / denominator | |
| Filed ratio | 7.97% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +2.97 pp | $5.9M | 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 | 20,362 | 20,362 | 20,362 | 20,362 | 20,362 | 20,362 | RCOAP742 |
| Retained earnings | (956) | (1,248) | (1,174) | (1,433) | (1,300) | (1,425) | RCOAKW00 |
| Accumulated other comprehensive income | (4,946) | (5,388) | (4,881) | (5,513) | (6,454) | (6,826) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 14,460 | 13,726 | 14,307 | 13,416 | 12,608 | 12,111 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,371 | 1,791 | 1,262 | 1,871 | 2,790 | 3,140 | P859 - P840 |
| Common equity Tier 1 capital | 15,831 | 15,517 | 15,569 | 15,287 | 15,398 | 15,251 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 15,831 | 15,517 | 15,569 | 15,287 | 15,398 | 15,251 | RCOA8274 |
| Tier 2 capital | 1,093 | 1,065 | 1,035 | 1,030 | 1,030 | 1,105 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,093 | 1,065 | 1,035 | 1,030 | 1,030 | 1,105 | RCOA5310 |
| Total capital | 16,924 | 16,582 | 16,604 | 16,317 | 16,428 | 16,356 | RCOA3792 |
| Total risk-weighted assets | 143,705 | 141,128 | 140,754 | 133,280 | 131,907 | 118,939 | RCOAA223 |
| Average total assets for the leverage ratio | 198,554 | 193,125 | 194,388 | 193,238 | 183,720 | 174,868 | 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 | $3.5M | $116K | 3.31% | 0.08% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $40.0M | $10.0M | 25.12% | 6.99% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $253K | $51K | 20.00% | 0.04% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $61.9M | $35.5M | 57.43% | 24.72% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $191K | $286K | 150.00% | 0.20% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $85.3M | $84.7M | 99.29% | 58.92% | RC-R Part II, item 4.d, 5.d |
| All other assets | $9.9M | $9.2M | 93.13% | 6.43% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $10.1M | $3.4M | 33.77% | 2.36% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $394K | NA | 0.27% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $143.3M | ties to item 31 ($143.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $143.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $143.7M | 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 | 11.02% | 11.02% | 11.78% | 7.97% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 10.99% | 10.99% | 11.75% | 8.03% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.06% | 11.06% | 11.80% | 8.01% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.47% | 11.47% | 12.24% | 7.91% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.67% | 11.67% | 12.45% | 8.38% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.82% | 12.82% | 13.75% | 8.72% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.36% | 13.36% | 14.32% | 8.82% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.31% | 13.31% | 14.27% | 8.92% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.86% | 13.86% | 14.86% | 8.88% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.70% | 13.70% | 14.69% | 8.98% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.98% | 13.98% | 14.95% | 9.23% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.83% | 14.83% | 15.82% | 9.73% | 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 |
|---|---|---|---|---|---|---|
| Fidelity Bank (this bank) | Risk-based | 11.02% | 11.02% | 11.78% | 7.97% | |
| Magnolia State Bank | $198.7M | CBLR | NA | NA | NA | 15.65% |
| Simmesport State Bank | $198.5M | CBLR | NA | NA | NA | 12.28% |
| Gouverneur Savings and Loan Association | $198.9M | Risk-based | 24.73% | 24.73% | 25.74% | 14.53% |
| Farmers State Bank of Hamel | $198.3M | CBLR | NA | NA | NA | 9.52% |
| Merchants and Planters Bank | $199.0M | CBLR | NA | NA | NA | 18.17% |
| Elkton Bank & Trust Company | $199.1M | Risk-based | 28.77% | 28.77% | 29.72% | 12.58% |
| The Goldman Sachs Trust Company, N.A. | $198.2M | Risk-based | 242.56% | 242.56% | 242.56% | 82.94% |
| Vermilion Valley Bank | $198.2M | Risk-based | 26.59% | 26.59% | 27.61% | 16.70% |
| Commerce Bank & Trust | $197.9M | Risk-based | 14.12% | 14.12% | 15.38% | 10.46% |
| The First National Bank of Evant | $199.4M | CBLR | NA | NA | NA | 9.83% |
| Peer 25th percentile | 24.73% | 24.73% | 25.74% | 10.92% | ||
| Peer median | 26.59% | 26.59% | 27.61% | 13.56% | ||
| Peer 75th percentile | 28.77% | 28.77% | 29.72% | 16.44% | ||
| This bank's percentile | 0 | 0 | 0 | 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/597041/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.