The First National Bank of Jeanerette: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.31% (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: 5.31% (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 12.05% +5.55 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 | $63.2M | 63,239 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $524.7M | 524,690 | RCOAA223 |
| Recomputed ratio | 12.05% | numerator / denominator | |
| Filed ratio | 12.05% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.55 pp | $29.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.05% +4.05 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 | $63.2M | 63,239 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $524.7M | 524,690 | RCOAA223 |
| Recomputed ratio | 12.05% | numerator / denominator | |
| Filed ratio | 12.05% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.05 pp | $21.3M | capital that could be lost first |
Total risk-based capital ratio 13.31% +3.31 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 | $69.8M | 69,817 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $524.7M | 524,690 | RCOAA223 |
| Recomputed ratio | 13.31% | numerator / denominator | |
| Filed ratio | 13.31% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.31 pp | $17.3M | capital that could be lost first |
Tier 1 leverage ratio 9.96% +4.96 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 | $63.2M | 63,239 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $634.8M | 634,849 | RCOAA224 |
| Recomputed ratio | 9.96% | numerator / denominator | |
| Filed ratio | 9.96% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.96 pp | $31.5M | 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 | 2,433 | 2,433 | 2,433 | 2,433 | 2,433 | 2,433 | RCOAP742 |
| Retained earnings | 60,806 | 58,778 | 56,684 | 54,768 | 52,701 | 50,495 | RCOAKW00 |
| Accumulated other comprehensive income | (1,114) | (1,168) | (1,043) | (1,261) | (1,653) | (1,909) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 62,125 | 60,043 | 58,074 | 55,940 | 53,481 | 51,019 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,114 | 1,168 | 1,043 | 1,261 | 1,653 | 1,909 | P859 - P840 |
| Common equity Tier 1 capital | 63,239 | 61,211 | 59,117 | 57,201 | 55,134 | 52,928 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 63,239 | 61,211 | 59,117 | 57,201 | 55,134 | 52,928 | RCOA8274 |
| Tier 2 capital | 6,578 | 6,534 | 6,110 | 6,122 | 5,963 | 5,601 | RCOA5311 |
| Allowance includable in Tier 2 capital | 6,578 | 6,534 | 6,110 | 6,122 | 5,963 | 5,601 | RCOA5310 |
| Total capital | 69,817 | 67,745 | 65,227 | 63,323 | 61,097 | 58,529 | RCOA3792 |
| Total risk-weighted assets | 524,690 | 521,268 | 486,916 | 488,271 | 475,733 | 446,673 | RCOAA223 |
| Average total assets for the leverage ratio | 634,849 | 640,259 | 615,507 | 587,741 | 551,919 | 531,564 | 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 | $15.8M | $2.0M | 12.36% | 0.37% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $54.0M | $15.8M | 29.36% | 3.01% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $173.3M | $86.7M | 50.00% | 16.47% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $861K | $1.3M | 149.42% | 0.24% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $374.9M | $374.9M | 100.00% | 71.23% | RC-R Part II, item 4.d, 5.d |
| All other assets | $36.9M | $36.9M | 100.00% | 7.01% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $8.8M | $8.8M | 100.00% | 1.67% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1K | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $526.3M | ties to item 31 ($526.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $526.3M | RCONB704 |
| Less: excess allowance for credit losses | $1.6M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $524.7M | 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 | 12.05% | 12.05% | 13.31% | 9.96% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.74% | 11.74% | 13.00% | 9.56% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.14% | 12.14% | 13.40% | 9.60% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.71% | 11.71% | 12.97% | 9.73% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.59% | 11.59% | 12.84% | 9.99% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.85% | 11.85% | 13.10% | 9.96% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.35% | 12.35% | 13.61% | 9.93% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.62% | 12.62% | 13.87% | 10.43% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.47% | 13.47% | 14.73% | 10.35% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.20% | 13.20% | 14.45% | 9.81% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.60% | 13.60% | 14.86% | 9.69% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.56% | 13.56% | 14.82% | 9.98% | 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 |
|---|---|---|---|---|---|---|
| The First National Bank of Jeanerette (this bank) | Risk-based | 12.05% | 12.05% | 13.31% | 9.96% | |
| Walpole Co-Operative Bank | $646.5M | CBLR | NA | NA | NA | 18.82% |
| Stillman Banccorp, N.A. | $645.6M | Risk-based | 18.29% | 18.29% | 19.22% | 9.20% |
| Dominion Bank | $647.4M | Risk-based | 13.08% | 13.08% | 14.03% | 11.17% |
| Phoenixville Federal Bank and Trust | $648.0M | CBLR | NA | NA | NA | 12.62% |
| The Bank of Tescott | $648.3M | CBLR | NA | NA | NA | 10.62% |
| Citizens State Bank - La Crosse | $648.5M | CBLR | NA | NA | NA | 13.36% |
| Modern Bank, N.A. | $648.5M | Risk-based | 12.96% | 12.96% | 14.21% | 9.56% |
| Outdoor Bank | $648.8M | CBLR | NA | NA | NA | 9.24% |
| Home Federal Bank | $644.0M | Risk-based | 13.11% | 13.11% | 14.20% | 9.29% |
| Peer 25th percentile | 13.05% | 13.05% | 14.16% | 9.29% | ||
| Peer median | 13.09% | 13.09% | 14.20% | 10.62% | ||
| Peer 75th percentile | 14.41% | 14.41% | 15.46% | 12.62% | ||
| This bank's percentile | 0 | 0 | 0 | 44 |
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/622037/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.