The First National Bank of Hutchinson: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.42% (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: 8.42% (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 15.17% +8.67 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 | $141.6M | 141,590 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $933.6M | 933,565 | RCOAA223 |
| Recomputed ratio | 15.17% | numerator / denominator | |
| Filed ratio | 15.17% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.67 pp | $80.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.17% +7.17 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 | $141.6M | 141,590 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $933.6M | 933,565 | RCOAA223 |
| Recomputed ratio | 15.17% | numerator / denominator | |
| Filed ratio | 15.17% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.17 pp | $66.9M | capital that could be lost first |
Total risk-based capital ratio 16.42% +6.42 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 | $153.3M | 153,285 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $933.6M | 933,565 | RCOAA223 |
| Recomputed ratio | 16.42% | numerator / denominator | |
| Filed ratio | 16.42% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.42 pp | $59.9M | capital that could be lost first |
Tier 1 leverage ratio 11.49% +6.49 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 | $141.6M | 141,590 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.23B | 1,232,773 | RCOAA224 |
| Recomputed ratio | 11.49% | numerator / denominator | |
| Filed ratio | 11.49% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.49 pp | $80.0M | 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 | 91,279 | 91,279 | 91,279 | 91,279 | 91,279 | 91,279 | RCOAP742 |
| Retained earnings | 50,812 | 47,970 | 45,440 | 43,845 | 40,649 | 37,757 | RCOAKW00 |
| Accumulated other comprehensive income | (13,631) | (15,017) | (13,363) | (15,530) | (18,092) | (18,899) | RCOAB530 |
| Common equity Tier 1 minority interest | 450 | 450 | 450 | 450 | 450 | 450 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 128,910 | 124,682 | 123,806 | 120,044 | 114,286 | 110,587 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 12,680 | 14,066 | 12,412 | 14,579 | 17,141 | 17,948 | P859 - P840 |
| Common equity Tier 1 capital | 141,590 | 138,748 | 136,218 | 134,623 | 131,427 | 128,535 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 141,590 | 138,748 | 136,218 | 134,623 | 131,427 | 128,535 | RCOA8274 |
| Tier 2 capital | 11,695 | 11,870 | 11,945 | 11,750 | 11,991 | 12,074 | RCOA5311 |
| Allowance includable in Tier 2 capital | 11,695 | 11,870 | 11,945 | 11,750 | 11,991 | 12,074 | RCOA5310 |
| Total capital | 153,285 | 150,618 | 148,163 | 146,373 | 143,418 | 140,609 | RCOA3792 |
| Total risk-weighted assets | 933,565 | 947,911 | 954,216 | 937,959 | 957,682 | 964,589 | RCOAA223 |
| Average total assets for the leverage ratio | 1,232,773 | 1,249,667 | 1,208,287 | 1,215,203 | 1,190,525 | 1,214,665 | 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 | $91.8M | $424K | 0.46% | 0.05% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $196.2M | $37.9M | 19.30% | 4.05% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.9M | $380K | 20.00% | 0.04% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $176.6M | $88.4M | 50.06% | 9.45% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $2.7M | $4.1M | 150.00% | 0.44% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $706.5M | $695.3M | 98.42% | 74.32% | RC-R Part II, item 4.d, 5.d |
| All other assets | $61.0M | $55.7M | 91.18% | 5.95% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $2.0M | $25.1M | 1250.00% | 2.69% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $21.4M | $21.4M | 100.00% | 2.29% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $6.8M | NA | 0.73% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $928.8M | ties to item 31 ($928.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $935.6M | RCONB704 |
| Less: excess allowance for credit losses | $2.0M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $933.6M | 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 | 15.17% | 15.17% | 16.42% | 11.49% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 14.64% | 14.64% | 15.89% | 11.10% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 14.28% | 14.28% | 15.53% | 11.27% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 14.35% | 14.35% | 15.61% | 11.08% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.72% | 13.72% | 14.98% | 11.04% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.33% | 13.33% | 14.58% | 10.58% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.82% | 12.82% | 14.07% | 10.58% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.97% | 12.97% | 14.22% | 10.95% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.71% | 12.71% | 13.96% | 10.89% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.64% | 12.64% | 13.89% | 11.03% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.60% | 12.60% | 13.85% | 11.13% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.77% | 12.77% | 14.02% | 11.54% | 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 |
|---|---|---|---|---|---|---|
| The First National Bank of Hutchinson (this bank) | Risk-based | 15.17% | 15.17% | 16.42% | 11.49% | |
| Provident Savings Bank, F.S.B. | $1.21B | Risk-based | 19.41% | 19.41% | 20.34% | 10.30% |
| Southwest Missouri Bank | $1.21B | Risk-based | 15.30% | 15.30% | 16.39% | 8.73% |
| Pacific Coast Bankers' Bank | $1.21B | Risk-based | 22.98% | 22.98% | 23.91% | 11.35% |
| Dallas Capital Bank, National Association | $1.21B | CBLR | NA | NA | NA | 11.35% |
| Dime Bank | $1.21B | Risk-based | 15.18% | 15.18% | 16.14% | 11.76% |
| BankFirst | $1.21B | Risk-based | 17.87% | 17.87% | 18.94% | 15.31% |
| West Michigan Community Bank | $1.21B | CBLR | NA | NA | NA | 9.22% |
| Bank of the Orient | $1.21B | CBLR | NA | NA | NA | 11.65% |
| Peoplessouth Bank | $1.21B | CBLR | NA | NA | NA | 10.45% |
| Citizens Bank & Trust | $1.20B | Risk-based | 14.67% | 14.67% | 15.64% | 8.93% |
| Peer 25th percentile | 15.21% | 15.21% | 16.20% | 9.49% | ||
| Peer median | 16.59% | 16.59% | 17.67% | 10.90% | ||
| Peer 75th percentile | 19.02% | 19.02% | 19.99% | 11.58% | ||
| This bank's percentile | 17 | 17 | 50 | 70 |
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/754853/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.