German American Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.24% (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: 6.24% (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 13.31% +6.81 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 | $927.5M | 927,535 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.97B | 6,968,957 | RCOAA223 |
| Recomputed ratio | 13.31% | numerator / denominator | |
| Filed ratio | 13.31% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.81 pp | $474.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.31% +5.31 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 | $927.5M | 927,535 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.97B | 6,968,957 | RCOAA223 |
| Recomputed ratio | 13.31% | numerator / denominator | |
| Filed ratio | 13.31% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.31 pp | $370.0M | capital that could be lost first |
Total risk-based capital ratio 14.24% +4.24 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 | $992.4M | 992,363 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.97B | 6,968,957 | RCOAA223 |
| Recomputed ratio | 14.24% | numerator / denominator | |
| Filed ratio | 14.24% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.24 pp | $295.5M | capital that could be lost first |
Tier 1 leverage ratio 11.19% +6.19 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 | $927.5M | 927,535 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $8.29B | 8,290,544 | RCOAA224 |
| Recomputed ratio | 11.19% | numerator / denominator | |
| Filed ratio | 11.19% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.19 pp | $513.0M | 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 | 915,500 | 915,500 | 915,500 | 915,548 | 915,548 | 915,202 | RCOAP742 |
| Retained earnings | 407,691 | 383,305 | 368,676 | 371,446 | 360,581 | 327,257 | RCOAKW00 |
| Accumulated other comprehensive income | (164,858) | (174,437) | (164,628) | (182,048) | (207,195) | (209,290) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,158,333 | 1,124,368 | 1,119,548 | 1,104,946 | 1,068,934 | 1,033,169 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (230,798) | (223,161) | (234,987) | (219,525) | (199,363) | (198,072) | P859 - P840 |
| Common equity Tier 1 capital | 927,535 | 901,207 | 884,561 | 885,421 | 869,571 | 835,097 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 927,535 | 901,207 | 884,561 | 885,421 | 869,571 | 835,097 | RCOA8274 |
| Tier 2 capital | 64,828 | 62,935 | 61,082 | 60,382 | 61,059 | 60,381 | RCOA5311 |
| Allowance includable in Tier 2 capital | 64,828 | 62,935 | 61,082 | 60,382 | 61,059 | 60,381 | RCOA5310 |
| Total capital | 992,363 | 964,142 | 945,643 | 945,803 | 930,630 | 895,478 | RCOA3792 |
| Total risk-weighted assets | 6,968,957 | 6,873,977 | 6,851,110 | 6,757,947 | 6,680,305 | 6,648,415 | RCOAA223 |
| Average total assets for the leverage ratio | 8,290,544 | 8,164,413 | 8,337,230 | 8,196,324 | 8,273,075 | 7,480,460 | 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 | $93.4M | $12.1M | 12.99% | 0.17% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.89B | $391.9M | 20.75% | 5.62% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $44.5M | $14.8M | 33.27% | 0.21% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $1.41B | $988.3M | 70.29% | 14.18% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $173.0M | $259.5M | 150.00% | 3.72% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $26.8M | $38.2M | 142.30% | 0.55% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $4.33B | $4.30B | 99.34% | 61.75% | RC-R Part II, item 4.d, 5.d |
| All other assets | $346.6M | $397.7M | 114.73% | 5.71% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $500.9M | $521.3M | 104.06% | 7.48% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $4.9M | $2.1M | 43.75% | 0.03% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $39.5M | NA | 0.57% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $6.93B | ties to item 31 ($6.93B) |
|---|---|---|
| Risk-weighted assets before deductions | $6.97B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $6.97B | 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 | 13.31% | 13.31% | 14.24% | 11.19% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.11% | 13.11% | 14.03% | 11.04% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.91% | 12.91% | 13.80% | 10.61% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.10% | 13.10% | 14.00% | 10.80% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.02% | 13.02% | 13.93% | 10.51% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.56% | 12.56% | 13.47% | 11.16% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.22% | 14.22% | 15.02% | 11.12% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 14.46% | 14.46% | 15.28% | 11.29% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.72% | 13.72% | 14.52% | 10.78% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.73% | 13.73% | 14.53% | 11.02% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 14.04% | 14.04% | 14.76% | 11.03% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 14.09% | 14.09% | 14.83% | 11.26% | 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 |
|---|---|---|---|---|---|---|
| German American Bank (this bank) | Risk-based | 13.31% | 13.31% | 14.24% | 11.19% | |
| Heritage Bank | $8.42B | Risk-based | 12.34% | 12.34% | 13.23% | 10.23% |
| CNB Bank | $8.41B | Risk-based | 13.09% | 13.21% | 14.05% | 10.17% |
| BankPlus | $8.38B | CBLR | NA | NA | NA | 10.84% |
| Forbright Bank | $8.48B | CBLR | NA | NA | NA | 11.24% |
| Cross River Bank | $8.53B | CBLR | NA | NA | NA | 11.78% |
| Poppy Bank | $8.32B | Risk-based | 12.82% | 12.82% | 14.07% | 9.71% |
| First Security Bank | $8.58B | Risk-based | 20.73% | 20.73% | 21.99% | 15.60% |
| First American Bank | $8.63B | Risk-based | 13.77% | 13.77% | 14.80% | 7.58% |
| Univest Bank and Trust Co. | $8.17B | Risk-based | 10.76% | 10.76% | 12.01% | 9.73% |
| Southside Bank | $8.76B | Risk-based | 16.28% | 16.28% | 17.10% | 11.43% |
| Peer 25th percentile | 12.58% | 12.58% | 13.64% | 9.84% | ||
| Peer median | 13.09% | 13.21% | 14.07% | 10.54% | ||
| Peer 75th percentile | 15.03% | 15.03% | 15.95% | 11.38% | ||
| This bank's percentile | 57 | 57 | 57 | 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/37640/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.