First National Digital Currency Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
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As of 3Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 3Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 99.65% +91.65 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $10.0M | 10,040 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $10.1M | 10,075 | RCOAA224 |
| Recomputed ratio | 99.65% | numerator / denominator | |
| Filed ratio | 99.65% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +91.65 pp | $9.2M | 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 | 3Q26 | Source |
|---|---|---|
| Common stock plus related surplus, net of treasury stock | 10,000 | RCOAP742 |
| Retained earnings | 40 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 10,040 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 10,040 | RCOAP859 |
| Additional Tier 1 capital | 0 | RCOAP865 |
| Tier 1 capital | 10,040 | RCOA8274 |
| Tier 2 capital | — | |
| Allowance includable in Tier 2 capital | — | |
| Total capital | — | |
| Average total assets for the leverage ratio | 10,075 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
1 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 |
|---|---|---|---|---|---|---|---|---|---|
| 3Q26 | CBLR | — | — | — | 99.65% | 21.64% | 21.64% | 22.81% | 13.05% |
A dash 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, 3Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First National Digital Currency Bank, N.A. (this bank) | CBLR | — | — | — | 99.65% | |
| Key National Trust Company of Delaware | $9.9M | Risk-based | 476.05% | 476.05% | 476.05% | 99.14% |
| New Covenant Trust Company, N.A. | $9.9M | Risk-based | 251.10% | 251.10% | 251.10% | 100.66% |
| Security National Trust Co. | $9.8M | CBLR | — | — | — | 122.81% |
| Alvarez & Marsal Trust Company, N.A. | $9.8M | CBLR | — | — | — | 93.98% |
| Neuberger Berman Trust Company of Delaware N.A. | $9.5M | Risk-based | 166.45% | 166.45% | 166.45% | 93.00% |
| Onesource Virtual Trust Bank, N.A. | $9.4M | Risk-based | 514.20% | 514.20% | 514.20% | 100.08% |
| State Bank of Burrton | $9.2M | CBLR | — | — | — | 10.11% |
| The Trust Company of Toledo, N.A. | $11.0M | Risk-based | 130.22% | 130.22% | 130.22% | 100.68% |
| Liberty Bank, Inc. | $11.2M | CBLR | — | — | — | 26.93% |
| Peer 25th percentile | 166.45% | 166.45% | 166.45% | 93.00% | ||
| Peer median | 251.10% | 251.10% | 251.10% | 99.14% | ||
| Peer 75th percentile | 476.05% | 476.05% | 476.05% | 100.66% | ||
| This bank's percentile | — | — | — | 56 |
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/6057323/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.