Florida Capital Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.29% (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: 8.29% (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 15.04% +8.54 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 | $70.9M | 70,945 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $471.7M | 471,731 | RCOAA223 |
| Recomputed ratio | 15.04% | numerator / denominator | |
| Filed ratio | 15.04% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.54 pp | $40.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.04% +7.04 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 | $70.9M | 70,945 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $471.7M | 471,731 | RCOAA223 |
| Recomputed ratio | 15.04% | numerator / denominator | |
| Filed ratio | 15.04% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.04 pp | $33.2M | capital that could be lost first |
Total risk-based capital ratio 16.29% +6.29 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 | $76.8M | 76,850 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $471.7M | 471,731 | RCOAA223 |
| Recomputed ratio | 16.29% | numerator / denominator | |
| Filed ratio | 16.29% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.29 pp | $29.7M | capital that could be lost first |
Tier 1 leverage ratio 9.77% +4.77 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 | $70.9M | 70,945 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $726.5M | 726,498 | RCOAA224 |
| Recomputed ratio | 9.77% | numerator / denominator | |
| Filed ratio | 9.77% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.77 pp | $34.6M | 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 | 156,451 | 156,451 | 156,451 | 156,451 | 156,451 | 156,451 | RCOAP742 |
| Retained earnings | (85,204) | (86,637) | (88,585) | (89,682) | (91,236) | (92,847) | RCOAKW00 |
| Accumulated other comprehensive income | (1,287) | (1,078) | (891) | (834) | (916) | (962) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 69,960 | 68,736 | 66,975 | 65,935 | 64,299 | 62,642 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 985 | 762 | 561 | 490 | 558 | 589 | P859 - P840 |
| Common equity Tier 1 capital | 70,945 | 69,498 | 67,536 | 66,425 | 64,857 | 63,231 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 70,945 | 69,498 | 67,536 | 66,425 | 64,857 | 63,231 | RCOA8274 |
| Tier 2 capital | 5,905 | 5,746 | 5,578 | 5,584 | 5,675 | 5,366 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,905 | 5,746 | 5,578 | 5,584 | 5,675 | 5,366 | RCOA5310 |
| Total capital | 76,850 | 75,244 | 73,114 | 72,009 | 70,532 | 68,597 | RCOA3792 |
| Total risk-weighted assets | 471,731 | 458,861 | 445,428 | 445,960 | 453,385 | 428,424 | RCOAA223 |
| Average total assets for the leverage ratio | 726,498 | 814,666 | 668,894 | 656,061 | 672,091 | 683,794 | 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 | $121.5M | $778K | 0.64% | 0.16% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $35.9M | $1.7M | 4.64% | 0.35% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $227.8M | $109.8M | 48.21% | 23.25% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $190K | $190K | 100.00% | 0.04% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $312.9M | $309.3M | 98.85% | 65.48% | RC-R Part II, item 4.d, 5.d |
| All other assets | $22.3M | $22.0M | 98.45% | 4.65% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $28.7M | $28.7M | 100.00% | 6.07% | 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 | $472.4M | ties to item 31 ($472.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $472.4M | RCONB704 |
| Less: excess allowance for credit losses | $641K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $471.7M | 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 | 15.04% | 15.04% | 16.29% | 9.77% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.15% | 15.15% | 16.40% | 8.53% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.16% | 15.16% | 16.41% | 10.10% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.89% | 14.89% | 16.15% | 10.12% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.31% | 14.31% | 15.56% | 9.65% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.76% | 14.76% | 16.01% | 9.25% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.78% | 14.78% | 16.03% | 10.44% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.29% | 14.29% | 15.54% | 10.75% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.49% | 14.49% | 15.74% | 11.05% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.08% | 15.08% | 16.33% | 10.96% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.50% | 15.50% | 16.76% | 11.23% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.43% | 15.43% | 16.69% | 11.03% | 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 |
|---|---|---|---|---|---|---|
| Florida Capital Bank, N.A. (this bank) | Risk-based | 15.04% | 15.04% | 16.29% | 9.77% | |
| Grand Bank | $712.8M | Risk-based | 12.56% | 12.56% | 13.81% | 10.33% |
| Time Bank | $712.8M | CBLR | NA | NA | NA | 11.91% |
| Pioneer Trust Bank, N.A. | $712.5M | Risk-based | 19.92% | 19.92% | 21.17% | 15.26% |
| First & Farmers National Bank, Inc. | $714.2M | Risk-based | 14.61% | 14.61% | 15.86% | 11.51% |
| Pilgrim Bank | $714.6M | Risk-based | 14.44% | 14.44% | 15.37% | 10.21% |
| Prospect Bank | $715.6M | Risk-based | 12.09% | 12.09% | 12.77% | 8.50% |
| Union Bank | $710.2M | Risk-based | 19.50% | 19.50% | 20.76% | 11.40% |
| M C Bank & Trust Company | $710.0M | CBLR | NA | NA | NA | 42.96% |
| First Fidelity Bank | $717.0M | Risk-based | 12.88% | 12.88% | 13.32% | 9.41% |
| Eagle Bank | $709.0M | CBLR | NA | NA | NA | 10.63% |
| Peer 25th percentile | 12.72% | 12.72% | 13.57% | 10.24% | ||
| Peer median | 14.44% | 14.44% | 15.37% | 11.01% | ||
| Peer 75th percentile | 17.06% | 17.06% | 18.31% | 11.81% | ||
| This bank's percentile | 71 | 71 | 71 | 20 |
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/188430/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.