The Freedom Bank of Virginia: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.63% (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: 6.63% (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 13.66% +7.16 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 | $117.1M | 117,101 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $857.3M | 857,277 | RCOAA223 |
| Recomputed ratio | 13.66% | numerator / denominator | |
| Filed ratio | 13.66% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.16 pp | $61.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.66% +5.66 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 | $117.1M | 117,101 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $857.3M | 857,277 | RCOAA223 |
| Recomputed ratio | 13.66% | numerator / denominator | |
| Filed ratio | 13.66% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.66 pp | $48.5M | capital that could be lost first |
Total risk-based capital ratio 14.63% +4.63 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 | $125.4M | 125,379 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $857.3M | 857,277 | RCOAA223 |
| Recomputed ratio | 14.63% | numerator / denominator | |
| Filed ratio | 14.63% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.63 pp | $39.7M | capital that could be lost first |
Tier 1 leverage ratio 11.06% +6.06 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 | $117.1M | 117,101 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.06B | 1,058,863 | RCOAA224 |
| Recomputed ratio | 11.06% | numerator / denominator | |
| Filed ratio | 11.06% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.06 pp | $64.2M | 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 | 76,560 | 76,560 | 76,560 | 76,560 | 76,560 | 76,560 | RCOAP742 |
| Retained earnings | 41,755 | 40,991 | 39,413 | 44,059 | 42,533 | 42,024 | RCOAKW00 |
| Accumulated other comprehensive income | (14,248) | (14,645) | (14,190) | (14,881) | (16,657) | (16,748) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 104,067 | 102,906 | 101,783 | 105,738 | 102,436 | 101,836 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 13,034 | 13,214 | 14,132 | 14,812 | 16,544 | 16,609 | P859 - P840 |
| Common equity Tier 1 capital | 117,101 | 116,120 | 115,915 | 120,550 | 118,980 | 118,445 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 117,101 | 116,120 | 115,915 | 120,550 | 118,980 | 118,445 | RCOA8274 |
| Tier 2 capital | 8,278 | 7,892 | 10,517 | 7,332 | 7,431 | 6,727 | RCOA5311 |
| Allowance includable in Tier 2 capital | 8,278 | 7,892 | 10,517 | 7,332 | 7,431 | 6,727 | RCOA5310 |
| Total capital | 125,379 | 124,012 | 126,432 | 127,882 | 126,411 | 125,172 | RCOA3792 |
| Total risk-weighted assets | 857,277 | 860,207 | 837,826 | 823,317 | 831,834 | 837,527 | RCOAA223 |
| Average total assets for the leverage ratio | 1,058,863 | 1,084,937 | 1,048,716 | 1,073,330 | 1,116,199 | 1,100,328 | 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 | $32.4M | $960K | 2.96% | 0.11% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $187.4M | $65.9M | 35.15% | 7.68% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $205.4M | $102.7M | 50.00% | 11.98% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $25.4M | $38.1M | 150.00% | 4.44% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $546.7M | $535.4M | 97.93% | 62.45% | RC-R Part II, item 4.d, 5.d |
| All other assets | $66.6M | $59.9M | 89.96% | 6.98% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $55.4M | $53.3M | 96.13% | 6.22% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.3M | $317K | 24.29% | 0.04% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $830K | NA | 0.10% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $856.4M | ties to item 31 ($856.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $857.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $857.3M | 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 | 13.66% | 13.66% | 14.63% | 11.06% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.50% | 13.50% | 14.42% | 10.70% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.84% | 13.84% | 15.09% | 11.05% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 14.64% | 14.64% | 15.53% | 11.23% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 14.30% | 14.30% | 15.20% | 10.66% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 14.14% | 14.14% | 14.95% | 10.76% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.57% | 13.57% | 14.35% | 10.39% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.21% | 13.21% | 14.22% | 10.23% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.09% | 13.09% | 14.04% | 10.28% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.92% | 12.92% | 14.01% | 10.26% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.65% | 12.65% | 13.83% | 10.26% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.26% | 13.26% | 14.10% | 10.64% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| The Freedom Bank of Virginia (this bank) | Risk-based | 13.66% | 13.66% | 14.63% | 11.06% | |
| Security Financial Bank | $1.04B | Risk-based | 11.98% | 11.98% | 13.23% | 9.67% |
| Security State Bank | $1.03B | Risk-based | 11.96% | 11.96% | 12.84% | 10.23% |
| Bank of the James | $1.03B | Risk-based | 11.80% | 11.80% | 12.66% | 9.38% |
| Superior National Bank | $1.04B | Risk-based | 17.27% | 17.27% | 18.47% | 11.70% |
| First Southern Bank | $1.04B | CBLR | NA | NA | NA | 10.85% |
| Computershare Trust Company, N.A. | $1.03B | Risk-based | 129.29% | 129.29% | 129.29% | 55.33% |
| R Bank | $1.03B | Risk-based | 12.04% | 12.04% | 13.17% | 9.01% |
| First Federal Savings and Loan Association of Greene County | $1.03B | Risk-based | 31.68% | 31.68% | 32.08% | 15.37% |
| Royal Banks of Missouri | $1.03B | Risk-based | 12.07% | 12.07% | 12.60% | 10.93% |
| Grand Savings Bank | $1.03B | CBLR | NA | NA | NA | 11.97% |
| Peer 25th percentile | 11.97% | 11.97% | 12.79% | 9.81% | ||
| Peer median | 12.05% | 12.05% | 13.20% | 10.89% | ||
| Peer 75th percentile | 20.87% | 20.87% | 21.87% | 11.90% | ||
| This bank's percentile | 62 | 62 | 62 | 60 |
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/3019982/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.