Gainey Business Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.92% (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: 7.92% (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 14.67% +8.17 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 | $13.4M | 13,448 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $91.7M | 91,691 | RCOAA223 |
| Recomputed ratio | 14.67% | numerator / denominator | |
| Filed ratio | 14.67% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.17 pp | $7.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.67% +6.67 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 | $13.4M | 13,448 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $91.7M | 91,691 | RCOAA223 |
| Recomputed ratio | 14.67% | numerator / denominator | |
| Filed ratio | 14.67% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.67 pp | $6.1M | capital that could be lost first |
Total risk-based capital ratio 15.92% +5.92 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 | $14.6M | 14,594 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $91.7M | 91,691 | RCOAA223 |
| Recomputed ratio | 15.92% | numerator / denominator | |
| Filed ratio | 15.92% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.92 pp | $5.4M | capital that could be lost first |
Tier 1 leverage ratio 12.89% +7.89 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 | $13.4M | 13,448 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $104.4M | 104,353 | RCOAA224 |
| Recomputed ratio | 12.89% | numerator / denominator | |
| Filed ratio | 12.89% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.89 pp | $8.2M | 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 | 24,216 | 18,802 | 18,712 | 18,605 | 18,499 | 18,416 | RCOAP742 |
| Retained earnings | (10,768) | (10,892) | (10,732) | (10,336) | (10,049) | (9,727) | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 13,448 | 7,910 | 7,980 | 8,269 | 8,450 | 8,689 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 0 | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 13,448 | 7,910 | 7,980 | 8,269 | 8,450 | 8,689 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 13,448 | 7,910 | 7,980 | 8,269 | 8,450 | 8,689 | RCOA8274 |
| Tier 2 capital | 1,146 | 1,066 | 1,071 | NA | 804 | NA | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,146 | 1,066 | 1,071 | NA | 804 | NA | RCOA5310 |
| Total capital | 14,594 | 8,976 | 9,051 | NA | 9,254 | NA | RCOA3792 |
| Total risk-weighted assets | 91,691 | 88,723 | 85,549 | NA | 64,222 | NA | RCOAA223 |
| Average total assets for the leverage ratio | 104,353 | 101,246 | 95,350 | 77,434 | 65,801 | 52,924 | 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 | $524K | $87K | 16.64% | 0.10% | RC-R Part II, item 1 |
| Fed funds sold and repo-style transactions | $9.3M | $1.9M | 20.00% | 2.03% | RC-R Part II, item 3.a, 16 |
| Loans: all other | $96.2M | $84.3M | 87.56% | 91.90% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.6M | $1.6M | 100.00% | 1.79% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $3.8M | $3.8M | 100.00% | 4.18% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | -$200 | 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 | $91.7M | ties to item 31 ($91.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $91.7M | RCONB704 |
| Less: excess allowance for credit losses | $5K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $91.7M | 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 | 14.67% | 14.67% | 15.92% | 12.89% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 8.92% | 8.92% | 10.12% | 7.81% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 9.33% | 9.33% | 10.58% | 8.37% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.68% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.16% | 13.16% | 14.41% | 12.84% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 16.42% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 19.28% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 24.09% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 26.87% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 26.13% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 28.89% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 42.38% | 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 |
|---|---|---|---|---|---|---|
| Gainey Business Bank (this bank) | Risk-based | 14.67% | 14.67% | 15.92% | 12.89% | |
| The Citizens Bank of Edina | $106.7M | CBLR | NA | NA | NA | 14.49% |
| Beauregard Federal Savings Bank | $106.4M | CBLR | NA | NA | NA | 9.70% |
| Prairie Sun Bank | $107.0M | CBLR | NA | NA | NA | 9.85% |
| Community Unity Bank | $107.1M | Risk-based | 23.04% | 23.04% | 24.23% | 19.54% |
| Produce State Bank | $107.2M | CBLR | NA | NA | NA | 10.33% |
| Breda Savings Bank | $106.0M | CBLR | NA | NA | NA | 10.88% |
| Platte Valley Bank | $107.2M | CBLR | NA | NA | NA | 13.87% |
| Citizens Bank & Trust | $107.3M | CBLR | NA | NA | NA | 12.50% |
| First Capital Bank | $107.3M | Risk-based | 13.71% | 13.71% | 14.97% | 9.57% |
| First State Bank Minnesota | $105.9M | CBLR | NA | NA | NA | 11.43% |
| Peer 25th percentile | 16.05% | 16.05% | 17.28% | 9.97% | ||
| Peer median | 18.38% | 18.38% | 19.60% | 11.16% | ||
| Peer 75th percentile | 20.71% | 20.71% | 21.92% | 13.53% | ||
| This bank's percentile | 50 | 50 | 50 | 70 |
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/5758445/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.