Forte 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 12.96% +6.46 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 | $43.2M | 43,229 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $333.5M | 333,527 | RCOAA223 |
| Recomputed ratio | 12.96% | numerator / denominator | |
| Filed ratio | 12.96% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.46 pp | $21.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.96% +4.96 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 | $43.2M | 43,229 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $333.5M | 333,527 | RCOAA223 |
| Recomputed ratio | 12.96% | numerator / denominator | |
| Filed ratio | 12.96% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.96 pp | $16.5M | 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 | $47.0M | 47,029 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $333.5M | 333,527 | 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 | $13.7M | capital that could be lost first |
Tier 1 leverage ratio 10.56% +5.56 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 | $43.2M | 43,229 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $409.2M | 409,242 | RCOAA224 |
| Recomputed ratio | 10.56% | numerator / denominator | |
| Filed ratio | 10.56% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.56 pp | $22.8M | 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 | 1,800 | 1,800 | 1,800 | 1,800 | 1,800 | 1,800 | RCOAP742 |
| Retained earnings | 41,429 | 40,355 | 39,593 | 38,890 | 38,169 | 37,656 | RCOAKW00 |
| Accumulated other comprehensive income | (164) | (100) | 53 | 17 | (7) | (24) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 43,065 | 42,055 | 41,446 | 40,707 | 39,962 | 39,432 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 164 | 100 | (53) | (17) | 7 | 24 | P859 - P840 |
| Common equity Tier 1 capital | 43,229 | 42,155 | 41,393 | 40,690 | 39,969 | 39,456 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 43,229 | 42,155 | 41,393 | 40,690 | 39,969 | 39,456 | RCOA8274 |
| Tier 2 capital | 3,800 | 3,736 | 3,671 | 3,608 | 3,579 | 3,561 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,800 | 3,736 | 3,671 | 3,608 | 3,579 | 3,561 | RCOA5310 |
| Total capital | 47,029 | 45,891 | 45,064 | 44,298 | 43,548 | 43,017 | RCOA3792 |
| Total risk-weighted assets | 333,527 | 332,647 | 323,221 | 317,989 | 316,333 | 313,495 | RCOAA223 |
| Average total assets for the leverage ratio | 409,242 | 419,802 | 403,152 | 400,743 | 397,529 | 414,989 | 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 | $9.8M | $730K | 7.46% | 0.22% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $42.2M | $8.0M | 19.09% | 2.41% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $104.0M | $54.3M | 52.25% | 16.29% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $51K | $51K | 100.00% | 0.02% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $232.8M | $232.8M | 100.00% | 69.80% | RC-R Part II, item 4.d, 5.d |
| All other assets | $19.4M | $18.4M | 94.81% | 5.52% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $19.1M | $19.1M | 100.00% | 5.74% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $700 | 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 | $333.5M | ties to item 31 ($333.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $333.5M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $333.5M | 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 | 12.96% | 12.96% | 14.10% | 10.56% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.67% | 12.67% | 13.80% | 10.04% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.81% | 12.81% | 13.94% | 10.27% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.80% | 12.80% | 13.93% | 10.15% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.64% | 12.64% | 13.77% | 10.05% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.59% | 12.59% | 13.72% | 9.51% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.23% | 13.23% | 14.43% | 10.15% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.24% | 13.24% | 14.45% | 10.40% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.23% | 13.23% | 14.43% | 10.81% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.12% | 13.12% | 14.34% | 10.42% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.80% | 12.80% | 13.98% | 10.36% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.17% | 12.17% | 13.23% | 10.17% | 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 |
|---|---|---|---|---|---|---|
| Forte Bank (this bank) | Risk-based | 12.96% | 12.96% | 14.10% | 10.56% | |
| Anchor D Bank | $404.5M | Risk-based | 12.02% | 12.02% | 12.97% | 10.53% |
| Homebank Texas | $403.0M | Risk-based | 15.19% | 15.19% | 16.37% | 11.59% |
| Founders Bank | $406.0M | CBLR | NA | NA | NA | 14.18% |
| First Trust Bank of Illinois | $406.3M | Risk-based | 15.16% | 15.16% | 15.80% | 10.26% |
| First Citizens Bank | $402.6M | CBLR | NA | NA | NA | 14.30% |
| Hardin County Savings Bank | $402.3M | Risk-based | 13.38% | 13.38% | 14.06% | 9.79% |
| Greenway Bank | $402.3M | Risk-based | 14.33% | 14.33% | 15.21% | 8.50% |
| Crown Bank | $402.0M | Risk-based | 11.04% | 11.04% | 12.19% | 8.43% |
| Bank of the Bluegrass and Trust Co. | $407.0M | CBLR | NA | NA | NA | 10.80% |
| First State Bank | $402.0M | Risk-based | 16.50% | 16.50% | 16.76% | 11.23% |
| Peer 25th percentile | 12.70% | 12.70% | 13.51% | 9.90% | ||
| Peer median | 14.33% | 14.33% | 15.21% | 10.67% | ||
| Peer 75th percentile | 15.18% | 15.18% | 16.08% | 11.50% | ||
| This bank's percentile | 29 | 29 | 43 | 50 |
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/742944/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.