Fieldpoint Private Bank & Trust: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.18% (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: 3.18% (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 10.09% +3.59 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 | $61.1M | 61,095 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $605.4M | 605,372 | RCOAA223 |
| Recomputed ratio | 10.09% | numerator / denominator | |
| Filed ratio | 10.09% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.59 pp | $21.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.09% +2.09 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 | $61.1M | 61,095 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $605.4M | 605,372 | RCOAA223 |
| Recomputed ratio | 10.09% | numerator / denominator | |
| Filed ratio | 10.09% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.09 pp | $12.7M | capital that could be lost first |
Total risk-based capital ratio 11.18% +1.18 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 | $67.7M | 67,702 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $605.4M | 605,372 | RCOAA223 |
| Recomputed ratio | 11.18% | numerator / denominator | |
| Filed ratio | 11.18% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.18 pp | $7.2M | capital that could be lost first |
Tier 1 leverage ratio 6.62% +1.62 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 | $61.1M | 61,095 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $922.8M | 922,819 | RCOAA224 |
| Recomputed ratio | 6.62% | numerator / denominator | |
| Filed ratio | 6.62% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +1.62 pp | $15.0M | 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 | 124,729 | 124,622 | 124,567 | 124,539 | 124,425 | 124,285 | RCOAP742 |
| Retained earnings | (63,634) | (63,272) | (62,107) | (56,353) | (54,976) | (53,150) | RCOAKW00 |
| Accumulated other comprehensive income | (5,199) | (5,614) | (6,735) | (7,315) | (8,617) | (8,971) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 55,896 | 55,736 | 55,725 | 60,871 | 60,832 | 62,164 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,199 | 5,615 | 6,735 | 7,315 | 8,617 | 8,971 | P859 - P840 |
| Common equity Tier 1 capital | 61,095 | 61,351 | 62,460 | 68,186 | 69,449 | 71,135 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 61,095 | 61,351 | 62,460 | 68,186 | 69,449 | 71,135 | RCOA8274 |
| Tier 2 capital | 6,607 | 7,198 | 7,433 | 8,356 | 8,959 | 9,343 | RCOA5311 |
| Allowance includable in Tier 2 capital | 6,607 | 7,198 | 7,433 | 8,356 | 8,959 | 9,343 | RCOA5310 |
| Total capital | 67,702 | 68,549 | 69,893 | 76,542 | 78,408 | 80,478 | RCOA3792 |
| Total risk-weighted assets | 605,372 | 624,811 | 620,222 | 712,546 | 742,887 | 747,238 | RCOAA223 |
| Average total assets for the leverage ratio | 922,819 | 930,872 | 1,021,616 | 1,074,367 | 1,108,001 | 1,260,108 | 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 | $89.5M | $3.9M | 4.36% | 0.65% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $103.8M | $34.1M | 32.89% | 5.64% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $258.3M | $144.0M | 55.77% | 23.79% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $10.9M | $14.6M | 133.05% | 2.40% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $350.1M | $350.1M | 100.00% | 57.83% | RC-R Part II, item 4.d, 5.d |
| All other assets | $39.7M | $36.4M | 91.81% | 6.01% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $22.0M | $16.4M | 74.62% | 2.71% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $5.9M | NA | 0.97% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $599.5M | ties to item 31 ($599.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $605.4M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $605.4M | 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 | 10.09% | 10.09% | 11.18% | 6.62% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 9.82% | 9.82% | 10.97% | 6.59% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.07% | 10.07% | 11.27% | 6.11% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 9.57% | 9.57% | 10.74% | 6.35% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 9.35% | 9.35% | 10.55% | 6.27% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 9.52% | 9.52% | 10.77% | 5.65% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 9.44% | 9.44% | 10.71% | 6.05% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 9.16% | 9.17% | 10.30% | 5.82% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 9.37% | 9.38% | 10.60% | 6.37% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 10.20% | 10.21% | 11.45% | 6.83% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.28% | 10.30% | 11.55% | 6.07% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 9.76% | 9.77% | 10.80% | 6.69% | 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 |
|---|---|---|---|---|---|---|
| Fieldpoint Private Bank & Trust (this bank) | Risk-based | 10.09% | 10.09% | 11.18% | 6.62% | |
| Blue Ridge Bank and Trust Co. | $866.6M | Risk-based | 11.62% | 11.62% | 12.87% | 10.03% |
| Resource Bank, N.A. | $868.6M | Risk-based | 13.46% | 13.46% | 14.55% | 8.52% |
| Liberty Bank for Savings | $868.6M | Risk-based | 60.82% | 60.82% | 61.63% | 24.01% |
| Bayvanguard Bank | $868.7M | Risk-based | 22.40% | 22.40% | 23.34% | 17.13% |
| Legacy Bank | $865.0M | Risk-based | 11.30% | 11.30% | 12.49% | 10.55% |
| First National Bank North | $864.3M | Risk-based | 18.13% | 18.13% | 19.39% | 12.14% |
| Bank of San Francisco | $863.6M | Risk-based | 14.36% | 14.36% | 15.61% | 10.92% |
| Western Commerce Bank | $863.5M | Risk-based | 21.03% | 21.03% | 22.28% | 8.82% |
| Hawaii National Bank | $871.7M | Risk-based | 17.74% | 17.74% | 18.99% | 11.02% |
| Unified Bank | $871.7M | Risk-based | 12.53% | 12.53% | 13.22% | 8.99% |
| Peer 25th percentile | 12.76% | 12.76% | 13.55% | 9.25% | ||
| Peer median | 16.05% | 16.05% | 17.30% | 10.73% | ||
| Peer 75th percentile | 20.30% | 20.30% | 21.55% | 11.86% | ||
| 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/3664588/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.