Generations Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.42% (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: 4.42% (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 11.71% +5.21 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 | $126.6M | 126,558 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.08B | 1,080,550 | RCOAA223 |
| Recomputed ratio | 11.71% | numerator / denominator | |
| Filed ratio | 11.71% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.21 pp | $56.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.71% +3.71 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 | $126.6M | 126,558 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.08B | 1,080,550 | RCOAA223 |
| Recomputed ratio | 11.71% | numerator / denominator | |
| Filed ratio | 11.71% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.71 pp | $40.1M | capital that could be lost first |
Total risk-based capital ratio 12.42% +2.42 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 | $134.2M | 134,176 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.08B | 1,080,550 | RCOAA223 |
| Recomputed ratio | 12.42% | numerator / denominator | |
| Filed ratio | 12.42% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.42 pp | $26.1M | capital that could be lost first |
Tier 1 leverage ratio 11.51% +6.51 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 | $126.6M | 126,558 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.10B | 1,099,083 | RCOAA224 |
| Recomputed ratio | 11.51% | numerator / denominator | |
| Filed ratio | 11.51% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.51 pp | $71.6M | 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 | 56,567 | 56,567 | 56,567 | 47,817 | 47,817 | 47,817 | RCOAP742 |
| Retained earnings | 72,912 | 70,499 | 67,543 | 66,068 | 63,023 | 61,451 | RCOAKW00 |
| Accumulated other comprehensive income | (6,656) | (8,988) | (6,486) | (8,205) | (11,581) | (9,810) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 122,823 | 118,078 | 117,624 | 105,680 | 99,259 | 99,458 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,735 | 6,037 | 3,504 | 5,192 | 8,537 | 6,736 | P859 - P840 |
| Common equity Tier 1 capital | 126,558 | 124,115 | 121,128 | 110,872 | 107,796 | 106,194 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 126,558 | 124,115 | 121,128 | 110,872 | 107,796 | 106,194 | RCOA8274 |
| Tier 2 capital | 7,618 | 9,020 | 10,092 | 7,793 | 7,978 | 7,630 | RCOA5311 |
| Allowance includable in Tier 2 capital | 7,618 | 9,020 | 10,092 | 7,793 | 7,978 | 7,630 | RCOA5310 |
| Total capital | 134,176 | 133,135 | 131,220 | 118,665 | 115,774 | 113,824 | RCOA3792 |
| Total risk-weighted assets | 1,080,550 | 878,720 | 910,352 | 881,488 | 870,733 | 760,886 | RCOAA223 |
| Average total assets for the leverage ratio | 1,099,083 | 1,073,772 | 1,060,819 | 1,042,274 | 1,016,452 | 980,863 | 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 | $34.0M | $1.5M | 4.32% | 0.14% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $240.5M | $133.2M | 55.37% | 12.32% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $240.8M | $133.3M | 55.36% | 12.34% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $13.8M | $20.6M | 150.00% | 1.91% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $10.5M | $15.7M | 150.00% | 1.46% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $501.5M | $501.5M | 100.00% | 46.42% | RC-R Part II, item 4.d, 5.d |
| All other assets | $62.1M | $58.4M | 94.03% | 5.41% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $15.1M | $188.6M | 1250.00% | 17.45% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $26.7M | $26.7M | 100.00% | 2.48% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $971K | NA | 0.09% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.08B | ties to item 31 ($1.08B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.08B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.08B | 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 | 11.71% | 11.71% | 12.42% | 11.51% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 14.12% | 14.12% | 15.15% | 11.56% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.31% | 13.31% | 14.41% | 11.42% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.58% | 12.58% | 13.46% | 10.64% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.38% | 12.38% | 13.30% | 10.61% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.96% | 13.96% | 14.96% | 10.83% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.49% | 13.49% | 14.44% | 10.76% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.74% | 13.74% | 14.69% | 10.95% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.45% | 13.45% | 14.38% | 11.00% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.49% | 13.49% | 14.45% | 10.86% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.79% | 11.79% | 12.65% | 11.05% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.10% | 12.10% | 13.01% | 11.17% | 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 |
|---|---|---|---|---|---|---|
| Generations Bank (this bank) | Risk-based | 11.71% | 11.71% | 12.42% | 11.51% | |
| The Converse County Bank | $1.09B | Risk-based | 27.51% | 27.51% | 28.45% | 9.57% |
| Pioneer Bank | $1.09B | Risk-based | 17.51% | 17.51% | 18.77% | 12.32% |
| Winchester Savings Bank | $1.09B | CBLR | NA | NA | NA | 9.63% |
| First Bank of Berne | $1.09B | Risk-based | 12.23% | 12.23% | 13.44% | 9.92% |
| Partners Bank of New England | $1.09B | Risk-based | 14.68% | 14.68% | 15.80% | 10.99% |
| Prime Alliance Bank | $1.09B | Risk-based | 12.73% | 12.73% | 14.00% | 11.53% |
| Auburnbank | $1.09B | Risk-based | 16.26% | 16.26% | 17.24% | 10.65% |
| Amerasia Bank | $1.08B | Risk-based | 18.40% | 18.40% | 19.27% | 15.12% |
| First Resource Bank | $1.08B | Risk-based | 11.62% | 11.62% | 12.77% | 8.34% |
| Mountainone Bank | $1.08B | Risk-based | 16.76% | 16.76% | 17.80% | 14.75% |
| Peer 25th percentile | 12.73% | 12.73% | 14.00% | 9.70% | ||
| Peer median | 16.26% | 16.26% | 17.24% | 10.82% | ||
| Peer 75th percentile | 17.51% | 17.51% | 18.77% | 12.12% | ||
| This bank's percentile | 11 | 11 | 0 | 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/329345/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.