Generations Bank: Regulatory Capital and Risk-Weighted Assets
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As of 4Q25, from Call Report Schedule RC-R.
Capital conservation buffer: 6.17% (4Q25), 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: 6.17% (RCOAH311).
What each ratio is made of, 4Q25
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 13.06% +6.56 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 | $32.2M | 32,206 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $246.6M | 246,580 | RCOAA223 |
| Recomputed ratio | 13.06% | numerator / denominator | |
| Filed ratio | 13.06% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.56 pp | $16.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.06% +5.06 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 | $32.2M | 32,206 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $246.6M | 246,580 | RCOAA223 |
| Recomputed ratio | 13.06% | numerator / denominator | |
| Filed ratio | 13.06% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.06 pp | $12.5M | capital that could be lost first |
Total risk-based capital ratio 14.17% +4.17 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 | $34.9M | 34,939 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $246.6M | 246,580 | RCOAA223 |
| Recomputed ratio | 14.17% | numerator / denominator | |
| Filed ratio | 14.17% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.17 pp | $10.3M | capital that could be lost first |
Tier 1 leverage ratio 9.17% +4.17 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 | $32.2M | 32,206 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $351.2M | 351,218 | RCOAA224 |
| Recomputed ratio | 9.17% | numerator / denominator | |
| Filed ratio | 9.17% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.17 pp | $14.6M | 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 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 18,637 | 18,637 | 18,637 | 18,638 | RCOAP742 |
| Retained earnings | 13,569 | 16,083 | 16,392 | 16,962 | RCOAKW00 |
| Accumulated other comprehensive income | (670) | (1,565) | (2,134) | (2,448) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 31,536 | 33,155 | 32,895 | 33,152 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 670 | 1,024 | 1,577 | 1,875 | P859 - P840 |
| Common equity Tier 1 capital | 32,206 | 34,179 | 34,472 | 35,027 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 32,206 | 34,179 | 34,472 | 35,027 | RCOA8274 |
| Tier 2 capital | 2,733 | 2,775 | 2,723 | 2,643 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,733 | 2,775 | 2,723 | 2,643 | RCOA5310 |
| Total capital | 34,939 | 36,954 | 37,195 | 37,670 | RCOA3792 |
| Total risk-weighted assets | 246,580 | 258,073 | 268,357 | 271,579 | RCOAA223 |
| Average total assets for the leverage ratio | 351,218 | 363,146 | 374,821 | 382,252 | RCOAA224 |
Risk-weighted assets by exposure category, 4Q25
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 | $18.3M | $668K | 3.66% | 0.27% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $28.4M | $15.0M | 52.62% | 6.06% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $172.7M | $95.1M | 55.07% | 38.57% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $2.0M | $3.0M | 150.00% | 1.21% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $774K | $1.2M | 150.00% | 0.47% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $94.2M | $93.5M | 99.31% | 37.93% | RC-R Part II, item 4.d, 5.d |
| All other assets | $35.4M | $32.3M | 91.13% | 13.08% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $5.9M | $5.9M | 100.00% | 2.40% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $300 | 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 | $246.6M | ties to item 31 ($246.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $246.6M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $246.6M | 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 |
|---|---|---|---|---|---|---|---|---|---|
| 4Q25 | Risk-based | 13.06% | 13.06% | 14.17% | 9.17% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.24% | 13.24% | 14.32% | 9.41% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.85% | 12.85% | 13.86% | 9.20% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.90% | 12.90% | 13.87% | 9.16% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.28% | 12.28% | 13.27% | 8.93% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.08% | 13.08% | 14.13% | 9.32% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.02% | 13.02% | 14.11% | 9.42% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.96% | 12.96% | 13.98% | 9.38% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.83% | 12.83% | 13.80% | 9.37% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.91% | 12.91% | 13.81% | 9.85% | 14.65% | 14.67% | 15.79% | 10.60% |
| 2Q23 | Risk-based | 13.51% | 13.51% | 14.43% | 10.38% | 14.63% | 14.65% | 15.76% | 10.48% |
| 1Q23 | Risk-based | 13.46% | 13.46% | 14.35% | 10.32% | 14.66% | 14.70% | 15.78% | 10.37% |
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, 4Q25
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Generations Bank (this bank) | Risk-based | 13.06% | 13.06% | 14.17% | 9.17% | |
| First Southern Bank | $347.2M | Risk-based | 13.95% | 13.95% | 14.84% | 10.57% |
| Kerndt Brothers Savings Bank | $347.2M | CBLR | NA | NA | NA | 10.63% |
| Community Bank of Raymore | $346.9M | Risk-based | 26.68% | 26.68% | 27.19% | 9.73% |
| Heritage Community Bank | $347.8M | Risk-based | 9.91% | 9.91% | 11.16% | 8.53% |
| Ozona Bank | $346.1M | Risk-based | 21.72% | 21.72% | 22.91% | 12.82% |
| Citizens Deposit Bank of Arlington, Inc. | $348.2M | CBLR | NA | NA | NA | 13.53% |
| Community State Bank | $345.8M | CBLR | NA | NA | NA | 10.38% |
| Citizens National Bank of Albion | $348.5M | Risk-based | 24.63% | 24.63% | 25.88% | 16.71% |
| Waumandee State Bank | $345.5M | Risk-based | 13.11% | 13.11% | 14.18% | 9.28% |
| Commercial Savings Bank | $348.8M | Risk-based | 12.30% | 12.30% | 13.34% | 8.72% |
| Peer 25th percentile | 12.70% | 12.70% | 13.76% | 9.39% | ||
| Peer median | 13.95% | 13.95% | 14.84% | 10.48% | ||
| Peer 75th percentile | 23.18% | 23.18% | 24.40% | 12.27% | ||
| This bank's percentile | 29 | 29 | 29 | 20 |
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/442011/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.