Fleetwood Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.10% (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: 6.10% (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 12.90% +6.40 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 | $32.0M | 31,965 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $247.8M | 247,777 | RCOAA223 |
| Recomputed ratio | 12.90% | numerator / denominator | |
| Filed ratio | 12.90% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.40 pp | $15.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.90% +4.90 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 | $32.0M | 31,965 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $247.8M | 247,777 | RCOAA223 |
| Recomputed ratio | 12.90% | numerator / denominator | |
| Filed ratio | 12.90% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.90 pp | $12.1M | capital that could be lost first |
Total risk-based capital ratio 14.10% +4.10 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 | $34.9M | 34,948 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $247.8M | 247,777 | RCOAA223 |
| Recomputed ratio | 14.10% | numerator / denominator | |
| Filed ratio | 14.10% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.10 pp | $10.2M | capital that could be lost first |
Tier 1 leverage ratio 7.77% +2.77 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 | $32.0M | 31,965 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $411.6M | 411,571 | RCOAA224 |
| Recomputed ratio | 7.77% | numerator / denominator | |
| Filed ratio | 7.77% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +2.77 pp | $11.4M | 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 | 1,064 | 1,064 | 1,064 | 1,064 | 1,064 | 1,064 | RCOAP742 |
| Retained earnings | 30,901 | 30,094 | 29,574 | 29,380 | 28,920 | 28,422 | RCOAKW00 |
| Accumulated other comprehensive income | (2,784) | (2,814) | (2,813) | (3,214) | (3,757) | (4,473) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 29,181 | 28,344 | 27,825 | 27,230 | 26,227 | 25,013 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,784 | 2,814 | 2,813 | 3,214 | 3,757 | 4,473 | P859 - P840 |
| Common equity Tier 1 capital | 31,965 | 31,158 | 30,638 | 30,444 | 29,984 | 29,486 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 31,965 | 31,158 | 30,638 | 30,444 | 29,984 | 29,486 | RCOA8274 |
| Tier 2 capital | 2,983 | 2,968 | 2,959 | 2,855 | 2,815 | 2,650 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,983 | 2,968 | 2,959 | 2,855 | 2,815 | 2,650 | RCOA5310 |
| Total capital | 34,948 | 34,126 | 33,597 | 33,299 | 32,799 | 32,136 | RCOA3792 |
| Total risk-weighted assets | 247,777 | 238,703 | 238,668 | 228,275 | 225,133 | 211,776 | RCOAA223 |
| Average total assets for the leverage ratio | 411,571 | 400,542 | 395,825 | 392,996 | 390,846 | 386,985 | 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 | $17.1M | $3.0M | 17.77% | 1.23% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $136.2M | $27.6M | 20.23% | 11.12% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $4.6M | $916K | 20.00% | 0.37% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $126.6M | $63.3M | 50.00% | 25.54% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.4M | $2.1M | 150.00% | 0.83% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $117.7M | $117.7M | 100.00% | 47.50% | RC-R Part II, item 4.d, 5.d |
| All other assets | $16.7M | $15.3M | 91.40% | 6.17% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $15.2M | $15.2M | 100.00% | 6.15% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $2.7M | NA | 1.09% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $245.1M | does not tie to item 31 ($246.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $247.8M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $247.8M | 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 | 12.90% | 12.90% | 14.10% | 7.77% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.05% | 13.05% | 14.30% | 7.78% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.84% | 12.84% | 14.08% | 7.74% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.34% | 13.34% | 14.59% | 7.75% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.32% | 13.32% | 14.57% | 7.67% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.92% | 13.92% | 15.17% | 7.62% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.82% | 13.82% | 15.07% | 7.48% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.32% | 13.32% | 14.57% | 7.41% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.41% | 13.41% | 14.66% | 7.36% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.34% | 13.34% | 14.59% | 7.36% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.88% | 13.88% | 15.13% | 7.48% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.84% | 13.84% | 15.05% | 7.41% | 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 |
|---|---|---|---|---|---|---|
| Fleetwood Bank (this bank) | Risk-based | 12.90% | 12.90% | 14.10% | 7.77% | |
| Sentry Bank | $415.5M | Risk-based | 11.00% | 11.00% | 12.25% | 8.66% |
| First Lockhart Bank | $415.9M | CBLR | NA | NA | NA | 9.34% |
| Paradise Bank | $415.2M | Risk-based | 13.21% | 13.21% | 14.25% | 8.76% |
| Bank of Zachary | $416.0M | Risk-based | 18.40% | 18.40% | 19.39% | 11.92% |
| Dakota Western Bank | $416.2M | Risk-based | 14.03% | 14.03% | 15.28% | 11.57% |
| Farmers State Bank of Calhan | $416.4M | Risk-based | 16.58% | 16.58% | 17.25% | 9.21% |
| Chelsea State Bank | $416.5M | Risk-based | 19.50% | 19.50% | 20.76% | 12.76% |
| Alliance Community Bank | $414.5M | Risk-based | 14.29% | 14.29% | 15.26% | 9.08% |
| Dakota Heritage Bank | $416.8M | CBLR | NA | NA | NA | 9.83% |
| Peer 25th percentile | 13.62% | 13.62% | 14.75% | 9.08% | ||
| Peer median | 14.29% | 14.29% | 15.28% | 9.34% | ||
| Peer 75th percentile | 17.49% | 17.49% | 18.32% | 11.57% | ||
| This bank's percentile | 14 | 14 | 14 | 0 |
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/551016/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.