FirstBank Southwest: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.13% (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: 7.13% (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 14.03% +7.53 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 | $212.6M | 212,561 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.52B | 1,515,419 | RCOAA223 |
| Recomputed ratio | 14.03% | numerator / denominator | |
| Filed ratio | 14.03% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.53 pp | $114.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.03% +6.03 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 | $212.6M | 212,561 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.52B | 1,515,419 | RCOAA223 |
| Recomputed ratio | 14.03% | numerator / denominator | |
| Filed ratio | 14.03% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.03 pp | $91.3M | capital that could be lost first |
Total risk-based capital ratio 15.13% +5.13 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 | $229.3M | 229,263 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.52B | 1,515,419 | RCOAA223 |
| Recomputed ratio | 15.13% | numerator / denominator | |
| Filed ratio | 15.13% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.13 pp | $77.7M | capital that could be lost first |
Tier 1 leverage ratio 11.16% +6.16 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 | $212.6M | 212,561 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.90B | 1,904,439 | RCOAA224 |
| Recomputed ratio | 11.16% | numerator / denominator | |
| Filed ratio | 11.16% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.16 pp | $117.3M | 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 | 82,340 | 82,340 | 82,340 | 82,340 | 82,340 | 82,340 | RCOAP742 |
| Retained earnings | 133,220 | 129,632 | 125,811 | 128,046 | 123,546 | 118,958 | RCOAKW00 |
| Accumulated other comprehensive income | (37,128) | (36,852) | (36,870) | (38,877) | (46,143) | (47,961) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 178,432 | 175,120 | 171,281 | 171,509 | 159,743 | 153,337 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 34,129 | 33,853 | 33,871 | 35,878 | 43,144 | 44,962 | P859 - P840 |
| Common equity Tier 1 capital | 212,561 | 208,973 | 205,152 | 207,387 | 202,887 | 198,299 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 212,561 | 208,973 | 205,152 | 207,387 | 202,887 | 198,299 | RCOA8274 |
| Tier 2 capital | 16,702 | 16,960 | 16,558 | 16,682 | 16,295 | 16,497 | RCOA5311 |
| Allowance includable in Tier 2 capital | 16,702 | 16,960 | 16,558 | 16,682 | 16,295 | 16,497 | RCOA5310 |
| Total capital | 229,263 | 225,933 | 221,710 | 224,069 | 219,182 | 214,796 | RCOA3792 |
| Total risk-weighted assets | 1,515,419 | 1,560,902 | 1,560,163 | 1,555,362 | 1,575,851 | 1,593,532 | RCOAA223 |
| Average total assets for the leverage ratio | 1,904,439 | 1,895,141 | 1,870,026 | 1,899,433 | 1,908,186 | 1,904,607 | 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 | $245.8M | $959K | 0.39% | 0.06% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $281.6M | $55.9M | 19.84% | 3.69% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $3.6M | $730K | 20.00% | 0.05% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $195.8M | $101.1M | 51.61% | 6.67% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $34.3M | $51.5M | 150.00% | 3.40% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $4.3M | $6.4M | 150.00% | 0.42% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.09B | $1.06B | 97.97% | 70.15% | RC-R Part II, item 4.d, 5.d |
| All other assets | $75.5M | $73.2M | 96.94% | 4.83% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $169.2M | $162.7M | 96.13% | 10.73% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $4K | 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 | $1.52B | ties to item 31 ($1.52B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.52B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.52B | 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 | 14.03% | 14.03% | 15.13% | 11.16% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.39% | 13.39% | 14.47% | 11.03% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.15% | 13.15% | 14.21% | 10.97% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.33% | 13.33% | 14.41% | 10.92% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.87% | 12.87% | 13.91% | 10.63% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.44% | 12.44% | 13.48% | 10.41% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.36% | 12.36% | 13.39% | 10.45% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.73% | 12.73% | 13.76% | 10.68% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.24% | 12.24% | 13.27% | 10.49% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.30% | 12.30% | 13.31% | 10.37% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.25% | 12.25% | 13.27% | 10.06% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.73% | 11.73% | 12.72% | 9.80% | 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 |
|---|---|---|---|---|---|---|
| FirstBank Southwest (this bank) | Risk-based | 14.03% | 14.03% | 15.13% | 11.16% | |
| Anchorage Digital Bank N.A. | $1.87B | CBLR | NA | NA | NA | 57.33% |
| Newtown Savings Bank | $1.87B | Risk-based | 14.63% | 14.63% | 15.89% | 9.48% |
| Kennebec Savings Bank | $1.87B | Risk-based | 17.32% | 17.32% | 18.02% | 13.96% |
| The Citizens National Bank of Meridian | $1.89B | Risk-based | 13.60% | 13.60% | 14.63% | 11.28% |
| Blue Foundry Bank | $1.89B | Risk-based | 18.94% | 18.94% | 19.93% | 14.64% |
| American Bank of Commerce | $1.86B | CBLR | NA | NA | NA | 9.65% |
| Embassy Bank for the Lehigh Valley | $1.86B | Risk-based | 14.10% | 14.10% | 15.16% | 8.83% |
| Security National Bank of Omaha | $1.86B | Risk-based | 13.37% | 13.37% | 14.63% | 10.58% |
| Fall River Five Cents Savings Bank | $1.86B | Risk-based | 11.61% | 11.61% | 12.38% | 8.70% |
| Independent Bank | $1.85B | Risk-based | 10.22% | 10.22% | 11.05% | 10.60% |
| Peer 25th percentile | 12.93% | 12.93% | 14.07% | 9.52% | ||
| Peer median | 13.85% | 13.85% | 14.90% | 10.59% | ||
| Peer 75th percentile | 15.31% | 15.31% | 16.42% | 13.29% | ||
| This bank's percentile | 50 | 50 | 50 | 60 |
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/840363/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.