Franklin Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 14.85% (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: 14.85% (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 22.03% +15.53 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 | $143.8M | 143,762 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $652.6M | 652,638 | RCOAA223 |
| Recomputed ratio | 22.03% | numerator / denominator | |
| Filed ratio | 22.03% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +15.53 pp | $101.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 22.03% +14.03 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 | $143.8M | 143,762 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $652.6M | 652,638 | RCOAA223 |
| Recomputed ratio | 22.03% | numerator / denominator | |
| Filed ratio | 22.03% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +14.03 pp | $91.6M | capital that could be lost first |
Total risk-based capital ratio 22.85% +12.85 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 | $149.1M | 149,137 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $652.6M | 652,638 | RCOAA223 |
| Recomputed ratio | 22.85% | numerator / denominator | |
| Filed ratio | 22.85% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +12.85 pp | $83.9M | capital that could be lost first |
Tier 1 leverage ratio 18.79% +13.79 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 | $143.8M | 143,762 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $764.9M | 764,899 | RCOAA224 |
| Recomputed ratio | 18.79% | numerator / denominator | |
| Filed ratio | 18.79% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +13.79 pp | $105.5M | 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 | 30,001 | 30,001 | 30,001 | 30,001 | 30,001 | 30,001 | RCOAP742 |
| Retained earnings | 113,760 | 111,757 | 109,932 | 109,284 | 107,627 | 105,908 | RCOAKW00 |
| Accumulated other comprehensive income | (2,570) | (2,458) | (2,472) | (6,490) | (7,162) | (7,268) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 141,191 | 139,300 | 137,461 | 132,795 | 130,466 | 128,641 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,571 | 2,459 | 2,472 | 6,490 | 7,162 | 7,268 | P859 - P840 |
| Common equity Tier 1 capital | 143,762 | 141,759 | 139,933 | 139,285 | 137,628 | 135,909 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 143,762 | 141,759 | 139,933 | 139,285 | 137,628 | 135,909 | RCOA8274 |
| Tier 2 capital | 5,375 | 5,325 | 5,228 | 5,228 | 4,753 | 4,678 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,375 | 5,325 | 5,228 | 5,228 | 4,753 | 4,678 | RCOA5310 |
| Total capital | 149,137 | 147,084 | 145,161 | 144,513 | 142,381 | 140,587 | RCOA3792 |
| Total risk-weighted assets | 652,638 | 637,632 | 637,882 | 626,998 | 617,575 | 595,553 | RCOAA223 |
| Average total assets for the leverage ratio | 764,899 | 760,388 | 751,046 | 749,870 | 728,016 | 726,080 | 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 | $22.5M | $1.0M | 4.49% | 0.15% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $49.6M | $8.1M | 16.40% | 1.25% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $311K | $62K | 20.00% | 0.01% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $327.8M | $193.1M | 58.91% | 29.59% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $47.9M | $71.9M | 150.00% | 11.02% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $3.5M | $5.2M | 150.00% | 0.80% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $296.5M | $295.5M | 99.66% | 45.28% | RC-R Part II, item 4.d, 5.d |
| All other assets | $55.6M | $53.4M | 96.15% | 8.19% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $24.3M | $24.3M | 100.00% | 3.72% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | 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 | $652.6M | ties to item 31 ($652.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $652.6M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $652.6M | 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 | 22.03% | 22.03% | 22.85% | 18.79% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 22.23% | 22.23% | 23.07% | 18.64% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 21.94% | 21.94% | 22.76% | 18.63% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 22.21% | 22.21% | 23.05% | 18.57% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 22.29% | 22.29% | 23.05% | 18.90% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 22.82% | 22.82% | 23.61% | 18.72% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 22.62% | 22.62% | 23.40% | 18.99% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 23.13% | 23.13% | 23.94% | 19.33% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 23.91% | 23.91% | 24.75% | 19.81% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 24.53% | 24.53% | 25.41% | 20.01% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 24.90% | 24.90% | 25.79% | 20.51% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 25.58% | 25.58% | 26.47% | 20.92% | 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 |
|---|---|---|---|---|---|---|
| Franklin Savings Bank (this bank) | Risk-based | 22.03% | 22.03% | 22.85% | 18.79% | |
| Quontic Bank | $787.0M | CBLR | NA | NA | NA | 9.73% |
| First Savings Bank of Hegewisch | $787.0M | Risk-based | 38.89% | 38.89% | 39.51% | 14.88% |
| Peach State Bank & Trust | $786.0M | Risk-based | 14.92% | 14.92% | 16.12% | 10.09% |
| City State Bank | $787.9M | CBLR | NA | NA | NA | 9.37% |
| Reliabank Dakota | $788.4M | Risk-based | 14.06% | 14.06% | 14.82% | 10.49% |
| Citizens Trust Bank | $790.3M | Risk-based | 22.73% | 22.73% | 23.87% | 13.24% |
| Farmers State Bank | $790.3M | Risk-based | 12.15% | 12.15% | 13.40% | 8.84% |
| Savers Co-Operative Bank | $783.2M | CBLR | NA | NA | NA | 11.30% |
| Sauk Valley Bank & Trust Company | $790.8M | Risk-based | 11.49% | 11.49% | 12.74% | 8.84% |
| Peer 25th percentile | 12.62% | 12.62% | 13.75% | 9.37% | ||
| Peer median | 14.49% | 14.49% | 15.47% | 10.09% | ||
| Peer 75th percentile | 20.78% | 20.78% | 21.93% | 11.30% | ||
| This bank's percentile | 67 | 67 | 67 | 100 |
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/228000/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.