Fidelity Digital Assets, N.A.: Regulatory Capital and Risk-Weighted Assets
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As of 3Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 3Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 97.84% +89.84 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $181.1M | 181,127 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $185.1M | 185,123 | RCOAA224 |
| Recomputed ratio | 97.84% | numerator / denominator | |
| Filed ratio | 97.84% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +89.84 pp | $166.3M | 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 | 3Q26 | Source |
|---|---|---|
| Common stock plus related surplus, net of treasury stock | 248,169 | RCOAP742 |
| Retained earnings | (66,678) | RCOAKW00 |
| Accumulated other comprehensive income | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 181,491 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (364) | P859 - P840 |
| Common equity Tier 1 capital | 181,127 | RCOAP859 |
| Additional Tier 1 capital | 0 | RCOAP865 |
| Tier 1 capital | 181,127 | RCOA8274 |
| Tier 2 capital | — | |
| Allowance includable in Tier 2 capital | — | |
| Total capital | — | |
| Average total assets for the leverage ratio | 185,123 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
1 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 |
|---|---|---|---|---|---|---|---|---|---|
| 3Q26 | CBLR | — | — | — | 97.84% | 15.38% | 15.42% | 16.49% | 11.13% |
A dash 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, 3Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Fidelity Digital Assets, N.A. (this bank) | CBLR | — | — | — | 97.84% | |
| Farmers State Bank | $224.1M | CBLR | — | — | — | 12.91% |
| United Bank and Trust Company | $224.0M | CBLR | — | — | — | 15.16% |
| United Citizens Bank & Trust Company | $223.9M | CBLR | — | — | — | 10.12% |
| First Texoma National Bank | $224.5M | CBLR | — | — | — | 11.92% |
| Embassy National Bank | $224.5M | Risk-based | 13.67% | 13.67% | 14.75% | 11.81% |
| Home State Bank | $223.9M | Risk-based | 15.61% | 15.61% | 16.43% | 11.74% |
| Tricentury Bank | $223.9M | CBLR | — | — | — | 10.91% |
| Charter Bank | $224.7M | CBLR | — | — | — | 11.18% |
| Ipava State Bank | $223.5M | Risk-based | 15.03% | 15.03% | 16.25% | 9.46% |
| Peer 25th percentile | 14.35% | 14.35% | 15.50% | 10.91% | ||
| Peer median | 15.03% | 15.03% | 16.25% | 11.74% | ||
| Peer 75th percentile | 15.32% | 15.32% | 16.34% | 11.92% | ||
| This bank's percentile | — | — | — | 100 |
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/6099154/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.