Frontier Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 11.26% (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: 11.26% (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 18.00% +11.50 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 | $47.4M | 47,371 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $263.1M | 263,116 | RCOAA223 |
| Recomputed ratio | 18.00% | numerator / denominator | |
| Filed ratio | 18.00% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +11.50 pp | $30.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 18.00% +10.00 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 | $47.4M | 47,371 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $263.1M | 263,116 | RCOAA223 |
| Recomputed ratio | 18.00% | numerator / denominator | |
| Filed ratio | 18.00% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +10.00 pp | $26.3M | capital that could be lost first |
Total risk-based capital ratio 19.26% +9.26 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 | $50.7M | 50,674 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $263.1M | 263,116 | RCOAA223 |
| Recomputed ratio | 19.26% | numerator / denominator | |
| Filed ratio | 19.26% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +9.26 pp | $24.4M | capital that could be lost first |
Tier 1 leverage ratio 10.78% +5.78 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 | $47.4M | 47,371 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $439.2M | 439,237 | RCOAA224 |
| Recomputed ratio | 10.78% | numerator / denominator | |
| Filed ratio | 10.78% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.78 pp | $25.4M | 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 | 8,364 | 8,364 | 8,364 | 8,364 | 8,364 | 8,364 | RCOAP742 |
| Retained earnings | 39,007 | 38,273 | 37,818 | 38,335 | 37,971 | 37,476 | RCOAKW00 |
| Accumulated other comprehensive income | (3,675) | (4,403) | (3,230) | (4,819) | (7,487) | (8,308) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 43,696 | 42,234 | 42,952 | 41,880 | 38,848 | 37,532 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,675 | 4,403 | 3,230 | 4,819 | 7,487 | 8,308 | P859 - P840 |
| Common equity Tier 1 capital | 47,371 | 46,637 | 46,182 | 46,699 | 46,335 | 45,840 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 47,371 | 46,637 | 46,182 | 46,699 | 46,335 | 45,840 | RCOA8274 |
| Tier 2 capital | 3,303 | 3,317 | 3,116 | 3,127 | 3,120 | 3,065 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,303 | 3,317 | 3,116 | 3,127 | 3,120 | 3,065 | RCOA5310 |
| Total capital | 50,674 | 49,954 | 49,298 | 49,826 | 49,455 | 48,905 | RCOA3792 |
| Total risk-weighted assets | 263,116 | 264,447 | 248,397 | 249,288 | 248,766 | 244,293 | RCOAA223 |
| Average total assets for the leverage ratio | 439,237 | 429,977 | 426,577 | 419,949 | 424,910 | 421,372 | 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 | $7.4M | $33K | 0.44% | 0.01% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $219.6M | $54.8M | 24.94% | 20.73% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $39.9M | $21.0M | 52.71% | 7.95% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $419K | $628K | 150.00% | 0.24% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $169.2M | $167.8M | 99.18% | 63.50% | RC-R Part II, item 4.d, 5.d |
| All other assets | $7.7M | $7.7M | 100.00% | 2.90% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $12.3M | $12.3M | 100.00% | 4.66% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $500 | 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 | $264.3M | ties to item 31 ($264.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $264.3M | RCONB704 |
| Less: excess allowance for credit losses | $1.1M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $263.1M | 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 | 18.00% | 18.00% | 19.26% | 10.78% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 17.64% | 17.64% | 18.89% | 10.85% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 18.59% | 18.59% | 19.85% | 10.83% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 18.73% | 18.73% | 19.99% | 11.12% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 18.63% | 18.63% | 19.88% | 10.90% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 18.76% | 18.76% | 20.02% | 10.88% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 17.67% | 17.67% | 18.92% | 10.85% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 17.97% | 17.97% | 19.23% | 10.71% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 18.41% | 18.41% | 19.66% | 10.49% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 18.66% | 18.66% | 19.91% | 10.68% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 18.13% | 18.13% | 19.39% | 10.66% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 18.30% | 18.30% | 19.56% | 10.52% | 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 |
|---|---|---|---|---|---|---|
| Frontier Bank (this bank) | Risk-based | 18.00% | 18.00% | 19.26% | 10.78% | |
| Texas Champion Bank | $436.6M | CBLR | NA | NA | NA | 10.48% |
| Eureka Savings Bank | $435.8M | Risk-based | 38.19% | 38.19% | 39.44% | 21.56% |
| The St. Henry Bank | $435.6M | CBLR | NA | NA | NA | 13.61% |
| First National Bank Minnesota | $437.8M | Risk-based | 13.18% | 13.18% | 14.43% | 9.81% |
| The Bank of Clarendon | $438.3M | CBLR | NA | NA | NA | 11.66% |
| The Bank of Clovis | $438.4M | Risk-based | 21.67% | 21.67% | 22.93% | 10.84% |
| Freedombank | $433.9M | Risk-based | 14.15% | 14.15% | 15.32% | 10.70% |
| Foresight Bank | $433.8M | Risk-based | 13.49% | 13.49% | 14.65% | 10.20% |
| Town & Country Bank and Trust Company | $433.7M | CBLR | NA | NA | NA | 12.75% |
| Bankers' Bank of the West | $433.6M | Risk-based | 13.46% | 13.46% | 14.71% | 14.37% |
| Peer 25th percentile | 13.46% | 13.46% | 14.66% | 10.54% | ||
| Peer median | 13.82% | 13.82% | 15.01% | 11.25% | ||
| Peer 75th percentile | 19.79% | 19.79% | 21.02% | 13.39% | ||
| This bank's percentile | 67 | 67 | 67 | 40 |
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/191355/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.