The First National Bank of Sycamore: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.63% (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: 8.63% (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 15.54% +9.04 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 | $24.3M | 24,271 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $156.2M | 156,167 | RCOAA223 |
| Recomputed ratio | 15.54% | numerator / denominator | |
| Filed ratio | 15.54% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.04 pp | $14.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.54% +7.54 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 | $24.3M | 24,271 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $156.2M | 156,167 | RCOAA223 |
| Recomputed ratio | 15.54% | numerator / denominator | |
| Filed ratio | 15.54% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.54 pp | $11.8M | capital that could be lost first |
Total risk-based capital ratio 16.63% +6.63 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 | $26.0M | 25,968 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $156.2M | 156,167 | RCOAA223 |
| Recomputed ratio | 16.63% | numerator / denominator | |
| Filed ratio | 16.63% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.63 pp | $10.4M | 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 | $24.3M | 24,271 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $243.7M | 243,744 | 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 | $12.1M | 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 | 2,400 | 2,400 | 2,400 | 2,400 | 2,400 | 2,400 | RCOAP742 |
| Retained earnings | 23,102 | 22,346 | 21,659 | 21,497 | 20,907 | 20,300 | RCOAKW00 |
| Accumulated other comprehensive income | (4,284) | (4,344) | (4,606) | (5,173) | (7,143) | (6,182) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 21,218 | 20,402 | 19,453 | 18,724 | 16,164 | 16,518 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,053 | 3,113 | 3,375 | 3,942 | 5,912 | 4,951 | P859 - P840 |
| Common equity Tier 1 capital | 24,271 | 23,515 | 22,828 | 22,666 | 22,076 | 21,469 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 24,271 | 23,515 | 22,828 | 22,666 | 22,076 | 21,469 | RCOA8274 |
| Tier 2 capital | 1,697 | 1,661 | 1,625 | 1,550 | 1,520 | 1,500 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,697 | 1,661 | 1,625 | 1,550 | 1,520 | 1,500 | RCOA5310 |
| Total capital | 25,968 | 25,176 | 24,453 | 24,216 | 23,596 | 22,969 | RCOA3792 |
| Total risk-weighted assets | 156,167 | 153,191 | 150,175 | 147,625 | 144,377 | 139,203 | RCOAA223 |
| Average total assets for the leverage ratio | 243,744 | 238,730 | 242,032 | 242,048 | 242,512 | 236,341 | 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 | $11.7M | $310K | 2.65% | 0.20% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $70.1M | $15.6M | 22.31% | 10.01% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $156K | $31K | 20.00% | 0.02% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $67.4M | $36.5M | 54.11% | 23.36% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $92K | $138K | 150.00% | 0.09% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $85.6M | $85.6M | 100.00% | 54.79% | RC-R Part II, item 4.d, 5.d |
| All other assets | $9.8M | $8.5M | 86.31% | 5.43% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $9.5M | $9.5M | 100.00% | 6.11% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | 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 | $156.2M | ties to item 31 ($156.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $156.2M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $156.2M | 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 | 15.54% | 15.54% | 16.63% | 9.96% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.35% | 15.35% | 16.43% | 9.85% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.20% | 15.20% | 16.28% | 9.43% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 15.35% | 15.35% | 16.40% | 9.36% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 15.29% | 15.29% | 16.34% | 9.10% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.42% | 15.42% | 16.50% | 9.08% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.41% | 15.41% | 16.49% | 9.04% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.41% | 15.41% | 16.47% | 9.30% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 15.22% | 15.22% | 16.28% | 9.28% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.94% | 14.94% | 15.97% | 9.17% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 14.98% | 14.98% | 16.01% | 9.15% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.27% | 15.27% | 16.29% | 9.43% | 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 Sycamore (this bank) | Risk-based | 15.54% | 15.54% | 16.63% | 9.96% | |
| First Bank of Boaz | $239.8M | CBLR | NA | NA | NA | 19.66% |
| Bankcda | $238.9M | CBLR | NA | NA | NA | 11.45% |
| Bankwest | $239.9M | Risk-based | 16.13% | 16.13% | 17.22% | 9.47% |
| Bank of Farmington | $240.1M | Risk-based | 13.96% | 13.96% | 14.78% | 10.96% |
| The First National Bank of Sterling City | $240.1M | Risk-based | 39.60% | 39.60% | 40.26% | 11.62% |
| First National Bank and Trust | $238.6M | CBLR | NA | NA | NA | 11.54% |
| Spring Hill State Bank | $238.5M | Risk-based | 28.91% | 28.91% | 30.18% | 16.65% |
| Citizens Bank of the Midwest | $238.3M | Risk-based | 11.83% | 11.83% | 13.03% | 8.39% |
| Peer 25th percentile | 13.96% | 13.96% | 14.78% | 10.59% | ||
| Peer median | 16.13% | 16.13% | 17.22% | 11.50% | ||
| Peer 75th percentile | 28.91% | 28.91% | 30.18% | 12.88% | ||
| This bank's percentile | 40 | 40 | 40 | 25 |
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/553926/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.