Fortress Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.04% (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: 4.04% (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 9.66% +3.16 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 | $68.4M | 68,386 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $708.1M | 708,069 | RCOAA223 |
| Recomputed ratio | 9.66% | numerator / denominator | |
| Filed ratio | 9.66% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.16 pp | $22.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.80% +2.80 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 | $76.5M | 76,486 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $708.1M | 708,069 | RCOAA223 |
| Recomputed ratio | 10.80% | numerator / denominator | |
| Filed ratio | 10.80% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.80 pp | $19.8M | capital that could be lost first |
Total risk-based capital ratio 12.04% +2.04 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 | $85.3M | 85,284 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $708.1M | 708,069 | RCOAA223 |
| Recomputed ratio | 12.04% | numerator / denominator | |
| Filed ratio | 12.04% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.04 pp | $14.5M | capital that could be lost first |
Tier 1 leverage ratio 9.12% +4.12 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 | $76.5M | 76,486 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $838.4M | 838,417 | RCOAA224 |
| Recomputed ratio | 9.12% | numerator / denominator | |
| Filed ratio | 9.12% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.12 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 | 41,526 | 41,526 | 41,526 | 41,526 | 41,526 | 41,526 | RCOAP742 |
| Retained earnings | 36,579 | 35,684 | 34,063 | 33,237 | 31,998 | 30,057 | RCOAKW00 |
| Accumulated other comprehensive income | (1,219) | (851) | (864) | (1,006) | (1,828) | (2,026) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 76,886 | 76,359 | 74,725 | 73,757 | 71,696 | 69,557 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (8,500) | (7,964) | (7,951) | (7,809) | (6,789) | (6,789) | P859 - P840 |
| Common equity Tier 1 capital | 68,386 | 68,395 | 66,774 | 65,948 | 64,907 | 62,768 | RCOAP859 |
| Additional Tier 1 capital | 8,100 | 8,100 | 8,100 | 8,100 | 8,100 | 8,100 | RCOAP865 |
| Tier 1 capital | 76,486 | 76,495 | 74,874 | 74,048 | 73,007 | 70,868 | RCOA8274 |
| Tier 2 capital | 8,798 | 9,016 | 8,516 | 8,534 | 8,602 | 8,539 | RCOA5311 |
| Allowance includable in Tier 2 capital | 8,798 | 9,016 | 8,516 | 8,534 | 8,602 | 8,539 | RCOA5310 |
| Total capital | 85,284 | 85,511 | 83,390 | 82,582 | 81,609 | 79,407 | RCOA3792 |
| Total risk-weighted assets | 708,069 | 719,761 | 680,009 | 680,811 | 687,064 | 682,594 | RCOAA223 |
| Average total assets for the leverage ratio | 838,417 | 819,541 | 825,154 | 793,535 | 796,059 | 782,070 | 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 | $57.1M | $2.1M | 3.72% | 0.30% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $87.9M | $22.5M | 25.60% | 3.18% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $6.2M | $1.5M | 23.59% | 0.21% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $195.7M | $106.1M | 54.20% | 14.98% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $706K | $1.1M | 150.00% | 0.15% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $13.4M | $20.0M | 149.24% | 2.82% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $481.3M | $467.4M | 97.10% | 66.00% | RC-R Part II, item 4.d, 5.d |
| All other assets | $56.8M | $52.8M | 92.99% | 7.46% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $34.7M | $34.7M | 100.00% | 4.90% | 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 | $708.1M | ties to item 31 ($708.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $708.1M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $708.1M | 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 | 9.66% | 10.80% | 12.04% | 9.12% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 9.50% | 10.63% | 11.88% | 9.33% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 9.82% | 11.01% | 12.26% | 9.07% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 9.69% | 10.88% | 12.13% | 9.33% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 9.45% | 10.63% | 11.88% | 9.17% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 9.20% | 10.38% | 11.63% | 9.06% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 9.31% | 10.53% | 11.72% | 9.02% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 9.38% | 10.31% | 11.53% | 8.88% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 9.35% | 10.30% | 11.48% | 8.96% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 9.62% | 10.62% | 11.87% | 9.07% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 9.38% | 10.37% | 11.62% | 9.16% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 8.98% | 10.00% | 11.25% | 9.17% | 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 |
|---|---|---|---|---|---|---|
| Fortress Bank (this bank) | Risk-based | 9.66% | 10.80% | 12.04% | 9.12% | |
| Terrabank, N.A. | $897.7M | Risk-based | 10.40% | 14.78% | 16.03% | 9.82% |
| Mechanics Bank | $896.4M | Risk-based | 14.65% | 14.65% | 15.90% | 8.44% |
| Mountain Pacific Bank | $896.4M | Risk-based | 13.07% | 13.07% | 14.33% | 11.52% |
| Visionbank of Iowa | $896.1M | Risk-based | 10.95% | 10.95% | 12.04% | 9.43% |
| Farmers National Bank | $895.7M | CBLR | NA | NA | NA | 15.03% |
| Mechanics Cooperative Bank | $898.8M | Risk-based | 14.38% | 14.38% | 15.37% | 12.38% |
| Windsor Federal Bank | $895.4M | CBLR | NA | NA | NA | 9.91% |
| New Millennium Bank | $899.1M | Risk-based | 21.34% | 21.34% | 22.59% | 14.57% |
| Titan Bank, N.A. | $895.2M | Risk-based | 35.50% | 35.50% | 36.75% | 9.48% |
| The First State Bank | $895.2M | CBLR | NA | NA | NA | 10.58% |
| Peer 25th percentile | 12.01% | 13.73% | 14.85% | 9.57% | ||
| Peer median | 14.38% | 14.65% | 15.90% | 10.24% | ||
| Peer 75th percentile | 17.99% | 18.06% | 19.31% | 12.17% | ||
| This bank's percentile | 0 | 0 | 14 | 10 |
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/953535/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.