Grand Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.81% (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: 5.81% (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 12.56% +6.06 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 | $72.9M | 72,943 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $580.8M | 580,840 | RCOAA223 |
| Recomputed ratio | 12.56% | numerator / denominator | |
| Filed ratio | 12.56% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.06 pp | $35.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.56% +4.56 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 | $72.9M | 72,943 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $580.8M | 580,840 | RCOAA223 |
| Recomputed ratio | 12.56% | numerator / denominator | |
| Filed ratio | 12.56% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.56 pp | $26.5M | capital that could be lost first |
Total risk-based capital ratio 13.81% +3.81 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 | $80.2M | 80,229 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $580.8M | 580,840 | RCOAA223 |
| Recomputed ratio | 13.81% | numerator / denominator | |
| Filed ratio | 13.81% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.81 pp | $22.1M | capital that could be lost first |
Tier 1 leverage ratio 10.33% +5.33 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 | $72.9M | 72,943 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $706.1M | 706,095 | RCOAA224 |
| Recomputed ratio | 10.33% | numerator / denominator | |
| Filed ratio | 10.33% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.33 pp | $37.6M | 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 | 16,022 | 16,022 | 16,022 | 16,022 | 16,022 | 16,022 | RCOAP742 |
| Retained earnings | 56,921 | 56,699 | 54,296 | 54,109 | 52,772 | 50,855 | RCOAKW00 |
| Accumulated other comprehensive income | (6,776) | (7,744) | (7,015) | (7,795) | (9,870) | (8,894) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 66,167 | 64,977 | 63,303 | 62,336 | 58,924 | 57,983 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,776 | 7,744 | 7,015 | 7,795 | 9,870 | 8,894 | P859 - P840 |
| Common equity Tier 1 capital | 72,943 | 72,721 | 70,318 | 70,131 | 68,794 | 66,877 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 72,943 | 72,721 | 70,318 | 70,131 | 68,794 | 66,877 | RCOA8274 |
| Tier 2 capital | 7,286 | 7,069 | 7,002 | 6,933 | 6,644 | 6,590 | RCOA5311 |
| Allowance includable in Tier 2 capital | 7,286 | 7,069 | 7,002 | 6,933 | 6,644 | 6,590 | RCOA5310 |
| Total capital | 80,229 | 79,790 | 77,320 | 77,064 | 75,438 | 73,467 | RCOA3792 |
| Total risk-weighted assets | 580,840 | 563,272 | 557,913 | 552,428 | 529,101 | 524,710 | RCOAA223 |
| Average total assets for the leverage ratio | 706,095 | 672,877 | 674,550 | 682,810 | 661,771 | 650,980 | 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 | $47.2M | $24K | 0.05% | 0.00% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $85.2M | $16.8M | 19.78% | 2.89% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $476K | $95K | 20.00% | 0.02% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $135.8M | $78.1M | 57.53% | 13.40% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $7.0M | $10.5M | 150.00% | 1.79% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $420.6M | $414.5M | 98.54% | 71.11% | RC-R Part II, item 4.d, 5.d |
| All other assets | $31.3M | $29.3M | 93.83% | 5.03% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $30.0M | $30.4M | 101.28% | 5.22% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $3.1M | NA | 0.53% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $579.8M | ties to item 31 ($579.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $582.9M | RCONB704 |
| Less: excess allowance for credit losses | $2.1M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $580.8M | 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 | 12.56% | 12.56% | 13.81% | 10.33% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.91% | 12.91% | 14.17% | 10.81% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.60% | 12.60% | 13.86% | 10.42% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.70% | 12.70% | 13.95% | 10.27% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.00% | 13.00% | 14.26% | 10.40% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.75% | 12.75% | 14.00% | 10.27% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.43% | 12.43% | 13.69% | 10.20% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.37% | 12.37% | 13.63% | 10.23% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.47% | 12.47% | 13.73% | 10.49% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.98% | 12.98% | 14.23% | 10.52% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.57% | 12.57% | 13.83% | 10.41% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.35% | 12.35% | 13.60% | 10.36% | 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 |
|---|---|---|---|---|---|---|
| Grand Bank (this bank) | Risk-based | 12.56% | 12.56% | 13.81% | 10.33% | |
| Time Bank | $712.8M | CBLR | NA | NA | NA | 11.91% |
| Pioneer Trust Bank, N.A. | $712.5M | Risk-based | 19.92% | 19.92% | 21.17% | 15.26% |
| Florida Capital Bank, N.A. | $713.1M | Risk-based | 15.04% | 15.04% | 16.29% | 9.77% |
| First & Farmers National Bank, Inc. | $714.2M | Risk-based | 14.61% | 14.61% | 15.86% | 11.51% |
| Pilgrim Bank | $714.6M | Risk-based | 14.44% | 14.44% | 15.37% | 10.21% |
| Union Bank | $710.2M | Risk-based | 19.50% | 19.50% | 20.76% | 11.40% |
| M C Bank & Trust Company | $710.0M | CBLR | NA | NA | NA | 42.96% |
| Prospect Bank | $715.6M | Risk-based | 12.09% | 12.09% | 12.77% | 8.50% |
| Eagle Bank | $709.0M | CBLR | NA | NA | NA | 10.63% |
| First Fidelity Bank | $717.0M | Risk-based | 12.88% | 12.88% | 13.32% | 9.41% |
| Peer 25th percentile | 13.66% | 13.66% | 14.35% | 9.88% | ||
| Peer median | 14.61% | 14.61% | 15.86% | 11.01% | ||
| Peer 75th percentile | 17.27% | 17.27% | 18.53% | 11.81% | ||
| This bank's percentile | 14 | 14 | 29 | 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/76854/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.