Fidelity Bank & Trust: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.72% (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: 3.72% (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 10.67% +4.17 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 | $229.0M | 228,994 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.15B | 2,146,655 | RCOAA223 |
| Recomputed ratio | 10.67% | numerator / denominator | |
| Filed ratio | 10.67% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.17 pp | $89.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.67% +2.67 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 | $229.0M | 228,994 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.15B | 2,146,655 | RCOAA223 |
| Recomputed ratio | 10.67% | numerator / denominator | |
| Filed ratio | 10.67% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.67 pp | $57.3M | capital that could be lost first |
Total risk-based capital ratio 11.72% +1.72 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 | $251.6M | 251,590 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.15B | 2,146,655 | RCOAA223 |
| Recomputed ratio | 11.72% | numerator / denominator | |
| Filed ratio | 11.72% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.72 pp | $36.9M | capital that could be lost first |
Tier 1 leverage ratio 8.98% +3.98 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 | $229.0M | 228,994 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.55B | 2,550,673 | RCOAA224 |
| Recomputed ratio | 8.98% | numerator / denominator | |
| Filed ratio | 8.98% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.98 pp | $101.5M | 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 | 170,372 | 170,372 | 170,372 | 122,223 | 122,223 | 122,223 | RCOAP742 |
| Retained earnings | 113,754 | 107,931 | 101,568 | 107,955 | 106,849 | 103,645 | RCOAKW00 |
| Accumulated other comprehensive income | (15,746) | (17,302) | (14,183) | (16,776) | (22,117) | (24,294) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 268,380 | 261,001 | 257,757 | 213,402 | 206,955 | 201,574 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (39,386) | (38,084) | (42,066) | (24,432) | (19,231) | (17,194) | P859 - P840 |
| Common equity Tier 1 capital | 228,994 | 222,917 | 215,691 | 188,970 | 187,724 | 184,380 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 228,994 | 222,917 | 215,691 | 188,970 | 187,724 | 184,380 | RCOA8274 |
| Tier 2 capital | 22,596 | 22,094 | 20,529 | 20,290 | 20,267 | 19,970 | RCOA5311 |
| Allowance includable in Tier 2 capital | 22,596 | 22,094 | 20,529 | 20,290 | 20,267 | 19,970 | RCOA5310 |
| Total capital | 251,590 | 245,011 | 236,220 | 209,260 | 207,991 | 204,350 | RCOA3792 |
| Total risk-weighted assets | 2,146,655 | 2,115,999 | 2,041,769 | 1,623,116 | 1,621,054 | 1,597,215 | RCOAA223 |
| Average total assets for the leverage ratio | 2,550,673 | 2,503,916 | 2,290,234 | 2,016,826 | 1,990,035 | 1,957,680 | 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 | $42.0M | $4.4M | 10.44% | 0.20% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $495.5M | $109.2M | 22.05% | 5.09% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $24.5M | $5.3M | 21.79% | 0.25% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $379.1M | $217.7M | 57.43% | 10.14% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $21.8M | $32.8M | 150.00% | 1.53% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.51B | $1.49B | 99.03% | 69.56% | RC-R Part II, item 4.d, 5.d |
| All other assets | $129.3M | $119.5M | 92.45% | 5.57% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $130.7M | $130.7M | 100.00% | 6.09% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $839K | $824K | 98.19% | 0.04% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $32.8M | NA | 1.53% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.11B | ties to item 31 ($2.11B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.15B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.15B | 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 | 10.67% | 10.67% | 11.72% | 8.98% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.53% | 10.53% | 11.58% | 8.90% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.56% | 10.56% | 11.57% | 9.42% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.64% | 11.64% | 12.89% | 9.37% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.58% | 11.58% | 12.83% | 9.43% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.54% | 11.54% | 12.79% | 9.42% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.46% | 11.46% | 12.71% | 9.35% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.53% | 11.53% | 12.78% | 9.46% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.43% | 11.43% | 12.69% | 9.22% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.08% | 11.08% | 12.31% | 9.08% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.24% | 11.24% | 12.49% | 9.20% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.48% | 11.48% | 12.73% | 9.25% | 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 & Trust (this bank) | Risk-based | 10.67% | 10.67% | 11.72% | 8.98% | |
| Dedham Institution for Savings | $2.60B | Risk-based | 13.93% | 13.93% | 14.69% | 11.39% |
| North Shore Bank | $2.61B | CBLR | NA | NA | NA | 14.45% |
| KS Statebank | $2.60B | CBLR | NA | NA | NA | 12.97% |
| Republic Bank of Chicago | $2.61B | CBLR | NA | NA | NA | 12.57% |
| Meridian Bank | $2.59B | CBLR | NA | NA | NA | 9.72% |
| Wells Fargo Bank South Central, N.A. | $2.59B | Risk-based | 80.53% | 80.53% | 80.84% | 29.69% |
| State Bank of Texas | $2.59B | CBLR | NA | NA | NA | 15.71% |
| First National Bank | $2.59B | Risk-based | 13.42% | 13.42% | 14.68% | 11.12% |
| One Community Bank | $2.63B | CBLR | NA | NA | NA | 12.78% |
| Extraco Banks, N.A. | $2.57B | Risk-based | 15.88% | 15.88% | 17.14% | 8.67% |
| Peer 25th percentile | 13.80% | 13.80% | 14.68% | 11.19% | ||
| Peer median | 14.90% | 14.90% | 15.91% | 12.68% | ||
| Peer 75th percentile | 32.04% | 32.04% | 33.07% | 14.08% | ||
| 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/939249/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.