First Century Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.22% (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: 5.22% (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 11.97% +5.47 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 | $74.4M | 74,400 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $621.8M | 621,809 | RCOAA223 |
| Recomputed ratio | 11.97% | numerator / denominator | |
| Filed ratio | 11.97% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.47 pp | $34.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.97% +3.97 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 | $74.4M | 74,400 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $621.8M | 621,809 | RCOAA223 |
| Recomputed ratio | 11.97% | numerator / denominator | |
| Filed ratio | 11.97% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.97 pp | $24.7M | capital that could be lost first |
Total risk-based capital ratio 13.22% +3.22 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 | $82.2M | 82,174 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $621.8M | 621,809 | RCOAA223 |
| Recomputed ratio | 13.22% | numerator / denominator | |
| Filed ratio | 13.22% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.22 pp | $20.0M | capital that could be lost first |
Tier 1 leverage ratio 9.44% +4.44 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 | $74.4M | 74,400 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $788.0M | 788,039 | RCOAA224 |
| Recomputed ratio | 9.44% | numerator / denominator | |
| Filed ratio | 9.44% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.44 pp | $35.0M | 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 | 3,200 | 3,200 | 3,200 | 3,200 | 3,200 | 3,200 | RCOAP742 |
| Retained earnings | 71,200 | 68,813 | 66,577 | 64,748 | 62,060 | 59,627 | RCOAKW00 |
| Accumulated other comprehensive income | (9) | (9) | (14) | (10) | (26) | (31) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 74,391 | 72,004 | 69,763 | 67,938 | 65,234 | 62,796 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 9 | 9 | 14 | 10 | 26 | 31 | P859 - P840 |
| Common equity Tier 1 capital | 74,400 | 72,013 | 69,777 | 67,948 | 65,260 | 62,827 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 74,400 | 72,013 | 69,777 | 67,948 | 65,260 | 62,827 | RCOA8274 |
| Tier 2 capital | 7,774 | 7,630 | 7,224 | 6,811 | 6,629 | 6,449 | RCOA5311 |
| Allowance includable in Tier 2 capital | 7,774 | 7,630 | 7,224 | 6,811 | 6,629 | 6,449 | RCOA5310 |
| Total capital | 82,174 | 79,643 | 77,001 | 74,759 | 71,889 | 69,276 | RCOA3792 |
| Total risk-weighted assets | 621,809 | 612,738 | 577,741 | 566,873 | 552,156 | 547,340 | RCOAA223 |
| Average total assets for the leverage ratio | 788,039 | 770,059 | 773,062 | 747,318 | 739,556 | 731,175 | 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 | $3.3M | 7.75% | 0.52% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $9.2M | $655K | 7.10% | 0.11% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $29.6M | $5.9M | 20.00% | 0.95% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $339.2M | $169.6M | 50.00% | 27.27% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $13.9M | $20.8M | 150.00% | 3.35% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $522K | $783K | 150.00% | 0.13% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $353.8M | $353.8M | 100.00% | 56.89% | RC-R Part II, item 4.d, 5.d |
| All other assets | $24.7M | $23.3M | 94.40% | 3.75% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $39.3M | $39.3M | 100.00% | 6.32% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $4.4M | NA | 0.71% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $617.5M | ties to item 31 ($617.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $621.9M | RCONB704 |
| Less: excess allowance for credit losses | $97K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $621.8M | 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 | 11.97% | 11.97% | 13.22% | 9.44% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.75% | 11.75% | 13.00% | 9.35% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.08% | 12.08% | 13.33% | 9.03% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.99% | 11.99% | 13.19% | 9.09% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.82% | 11.82% | 13.02% | 8.82% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.48% | 11.48% | 12.66% | 8.59% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.52% | 11.52% | 12.70% | 8.62% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.35% | 11.35% | 12.52% | 8.69% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.99% | 10.99% | 12.15% | 8.67% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 10.90% | 10.90% | 12.06% | 8.74% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.05% | 11.05% | 12.25% | 8.74% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.45% | 11.45% | 12.67% | 8.98% | 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 |
|---|---|---|---|---|---|---|
| First Century Bank (this bank) | Risk-based | 11.97% | 11.97% | 13.22% | 9.44% | |
| Platte Valley Bank | $809.2M | CBLR | NA | NA | NA | 9.73% |
| Maverick Bank | $809.1M | CBLR | NA | NA | NA | 8.81% |
| First Bank | $810.5M | Risk-based | 14.82% | 14.82% | 16.07% | 9.70% |
| First United Bank | $810.8M | CBLR | NA | NA | NA | 10.13% |
| Citizens 1st Bank | $811.0M | Risk-based | 38.50% | 38.50% | 39.10% | 20.52% |
| Minster Bank | $811.6M | Risk-based | 16.09% | 16.09% | 17.22% | 10.08% |
| Cusb Bank | $812.1M | CBLR | NA | NA | NA | 12.27% |
| Promiseone Bank | $812.2M | Risk-based | 15.70% | 15.70% | 16.82% | 10.12% |
| The First Bank of Greenwich | $812.3M | Risk-based | 11.10% | 11.10% | 12.34% | 9.26% |
| FCN Bank, N.A. | $812.5M | Risk-based | 14.01% | 14.01% | 15.18% | 9.92% |
| Peer 25th percentile | 14.21% | 14.21% | 15.40% | 9.71% | ||
| Peer median | 15.26% | 15.26% | 16.45% | 10.00% | ||
| Peer 75th percentile | 15.99% | 15.99% | 17.12% | 10.13% | ||
| This bank's percentile | 17 | 17 | 17 | 20 |
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/999935/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.