Fidelity Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.16% (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: 4.16% (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 10.97% +4.47 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 | $323.0M | 323,020 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.94B | 2,944,643 | RCOAA223 |
| Recomputed ratio | 10.97% | numerator / denominator | |
| Filed ratio | 10.97% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.47 pp | $131.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.97% +2.97 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 | $323.0M | 323,020 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.94B | 2,944,643 | RCOAA223 |
| Recomputed ratio | 10.97% | numerator / denominator | |
| Filed ratio | 10.97% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.97 pp | $87.5M | capital that could be lost first |
Total risk-based capital ratio 12.16% +2.16 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 | $358.1M | 358,113 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.94B | 2,944,643 | RCOAA223 |
| Recomputed ratio | 12.16% | numerator / denominator | |
| Filed ratio | 12.16% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.16 pp | $63.6M | capital that could be lost first |
Tier 1 leverage ratio 9.99% +4.99 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 | $323.0M | 323,020 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.23B | 3,232,625 | RCOAA224 |
| Recomputed ratio | 9.99% | numerator / denominator | |
| Filed ratio | 9.99% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.99 pp | $161.4M | 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 | 104,056 | 104,056 | 104,056 | 104,056 | 104,056 | 104,056 | RCOAP742 |
| Retained earnings | 225,818 | 225,866 | 224,542 | 219,002 | 216,819 | 211,941 | RCOAKW00 |
| Accumulated other comprehensive income | (5,675) | (5,442) | (5,094) | (5,457) | (6,452) | (6,917) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 324,199 | 324,480 | 323,504 | 317,601 | 314,423 | 309,080 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,179) | (1,434) | (1,802) | (1,460) | (486) | (220) | P859 - P840 |
| Common equity Tier 1 capital | 323,020 | 323,046 | 321,702 | 316,141 | 313,937 | 308,860 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 323,020 | 323,046 | 321,702 | 316,141 | 313,937 | 308,860 | RCOA8274 |
| Tier 2 capital | 35,093 | 34,873 | 34,678 | 34,401 | 33,364 | 32,663 | RCOA5311 |
| Allowance includable in Tier 2 capital | 35,093 | 34,873 | 34,678 | 34,401 | 33,364 | 32,663 | RCOA5310 |
| Total capital | 358,113 | 357,919 | 356,380 | 350,542 | 347,301 | 341,523 | RCOA3792 |
| Total risk-weighted assets | 2,944,643 | 2,961,206 | 2,983,754 | 2,966,908 | 2,891,619 | 2,842,034 | RCOAA223 |
| Average total assets for the leverage ratio | 3,232,625 | 3,256,137 | 3,232,579 | 3,185,543 | 3,179,158 | 3,093,594 | 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 | $130.9M | $5.0M | 3.85% | 0.17% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $310.8M | $7.1M | 2.29% | 0.24% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $650.8M | $449.8M | 69.11% | 15.28% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $1.6M | $2.4M | 150.00% | 0.08% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $9.9M | $14.8M | 150.00% | 0.50% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.94B | $1.88B | 97.08% | 63.80% | RC-R Part II, item 4.d, 5.d |
| Trading assets | $15.8M | $1.2M | 7.62% | 0.04% | RC-R Part II, item 7 |
| All other assets | $264.7M | $266.3M | 100.63% | 9.04% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $8.6M | $107.7M | 1250.00% | 3.66% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $151.1M | $146.8M | 97.18% | 4.99% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $65.0M | NA | 2.21% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.88B | ties to item 31 ($2.88B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.94B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.94B | 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 | 10.97% | 10.97% | 12.16% | 9.99% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.91% | 10.91% | 12.09% | 9.92% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.78% | 10.78% | 11.94% | 9.95% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 10.66% | 10.66% | 11.82% | 9.92% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 10.86% | 10.86% | 12.01% | 9.87% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 10.87% | 10.87% | 12.02% | 9.98% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 10.97% | 10.97% | 12.12% | 9.92% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.83% | 10.83% | 11.98% | 9.81% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.60% | 10.60% | 11.72% | 9.66% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.43% | 10.43% | 11.51% | 9.30% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.57% | 10.57% | 11.54% | 9.73% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.76% | 10.76% | 11.69% | 9.92% | 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, N.A. (this bank) | Risk-based | 10.97% | 10.97% | 12.16% | 9.99% | |
| Union Savings Bank | $3.30B | CBLR | NA | NA | NA | 11.48% |
| ACNB Bank | $3.30B | Risk-based | 14.30% | 14.30% | 15.28% | 11.25% |
| BankFirst Financial Services | $3.31B | CBLR | NA | NA | NA | 10.86% |
| OakStar Bank | $3.29B | CBLR | NA | NA | NA | 9.79% |
| Red River Bank | $3.31B | Risk-based | 17.32% | 17.32% | 18.37% | 12.49% |
| Lone Star National Bank | $3.28B | Risk-based | 20.01% | 20.01% | 21.09% | 12.87% |
| WestStar Bank | $3.28B | Risk-based | 13.13% | 13.13% | 14.07% | 12.27% |
| Stearns Bank N.A. | $3.27B | Risk-based | 15.39% | 16.25% | 17.52% | 15.42% |
| TruNorth Bank | $3.32B | Risk-based | 15.98% | 15.98% | 16.59% | 11.46% |
| Austin Bank, Texas N.A. | $3.33B | CBLR | NA | NA | NA | 15.12% |
| Peer 25th percentile | 14.57% | 14.72% | 15.61% | 11.30% | ||
| Peer median | 15.68% | 16.11% | 17.05% | 11.87% | ||
| Peer 75th percentile | 16.98% | 17.05% | 18.16% | 12.77% | ||
| This bank's percentile | 0 | 0 | 0 | 10 |
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/762474/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.