Grandview Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 12.26% (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: 12.26% (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 19.00% +12.50 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 | $87.8M | 87,848 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $462.3M | 462,266 | RCOAA223 |
| Recomputed ratio | 19.00% | numerator / denominator | |
| Filed ratio | 19.00% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +12.50 pp | $57.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 19.00% +11.00 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 | $87.8M | 87,848 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $462.3M | 462,266 | RCOAA223 |
| Recomputed ratio | 19.00% | numerator / denominator | |
| Filed ratio | 19.00% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +11.00 pp | $50.9M | capital that could be lost first |
Total risk-based capital ratio 20.26% +10.26 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 | $93.7M | 93,654 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $462.3M | 462,266 | RCOAA223 |
| Recomputed ratio | 20.26% | numerator / denominator | |
| Filed ratio | 20.26% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +10.26 pp | $47.4M | capital that could be lost first |
Tier 1 leverage ratio 12.35% +7.35 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 | $87.8M | 87,848 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $711.2M | 711,175 | RCOAA224 |
| Recomputed ratio | 12.35% | numerator / denominator | |
| Filed ratio | 12.35% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.35 pp | $52.3M | 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 | 3,800 | 3,800 | 3,800 | 3,800 | 3,800 | 3,800 | RCOAP742 |
| Retained earnings | 84,579 | 80,284 | 75,939 | 71,969 | 68,159 | 64,517 | RCOAKW00 |
| Accumulated other comprehensive income | (2,986) | (2,927) | (2,662) | (2,771) | (3,760) | (3,749) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 85,393 | 81,157 | 77,077 | 72,998 | 68,199 | 64,568 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,455 | 2,396 | 2,131 | 2,240 | 3,229 | 3,218 | P859 - P840 |
| Common equity Tier 1 capital | 87,848 | 83,553 | 79,208 | 75,238 | 71,428 | 67,786 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 87,848 | 83,553 | 79,208 | 75,238 | 71,428 | 67,786 | RCOA8274 |
| Tier 2 capital | 5,806 | 5,745 | 5,742 | 5,383 | 5,224 | 4,932 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,806 | 5,745 | 5,742 | 5,383 | 5,224 | 4,932 | RCOA5310 |
| Total capital | 93,654 | 89,298 | 84,950 | 80,621 | 76,652 | 72,718 | RCOA3792 |
| Total risk-weighted assets | 462,266 | 457,584 | 457,653 | 428,860 | 416,391 | 392,783 | RCOAA223 |
| Average total assets for the leverage ratio | 711,175 | 702,910 | 710,450 | 706,708 | 689,208 | 668,290 | 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 | $104.2M | $4.5M | 4.36% | 0.98% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $59.5M | $15.0M | 25.23% | 3.23% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $115.9M | $75.4M | 65.06% | 16.23% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $739K | $1.1M | 150.00% | 0.24% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $500K | $750K | 150.00% | 0.16% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $427.6M | $316.4M | 74.00% | 68.12% | RC-R Part II, item 4.d, 5.d |
| All other assets | $31.2M | $30.7M | 98.19% | 6.60% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $42.6M | $20.6M | 48.37% | 4.43% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $100 | 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 | $464.5M | ties to item 31 ($464.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $464.5M | RCONB704 |
| Less: excess allowance for credit losses | $2.2M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $462.3M | 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 | 19.00% | 19.00% | 20.26% | 12.35% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 18.26% | 18.26% | 19.52% | 11.89% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 17.31% | 17.31% | 18.56% | 11.15% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 17.54% | 17.54% | 18.80% | 10.65% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 17.15% | 17.15% | 18.41% | 10.36% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 17.26% | 17.26% | 18.51% | 10.14% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 16.06% | 16.06% | 17.31% | 9.81% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.99% | 15.99% | 17.24% | 9.41% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 16.21% | 16.21% | 17.46% | 8.85% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.73% | 15.73% | 16.99% | 8.41% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.36% | 15.36% | 16.62% | 7.90% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.12% | 15.12% | 16.37% | 8.76% | 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 |
|---|---|---|---|---|---|---|
| Grandview Bank (this bank) | Risk-based | 19.00% | 19.00% | 20.26% | 12.35% | |
| Queenstown Bank of Maryland | $729.5M | Risk-based | 18.42% | 18.42% | 19.67% | 11.60% |
| Dairy State Bank | $730.3M | CBLR | NA | NA | NA | 11.96% |
| The Malvern National Bank | $728.4M | Risk-based | 14.55% | 14.55% | 15.80% | 9.45% |
| Texas Gulf Bank, N.A. | $726.9M | CBLR | NA | NA | NA | 11.98% |
| Longview Bank | $732.1M | Risk-based | 10.29% | 10.29% | 11.10% | 8.43% |
| Axiom Bank, N.A. | $732.4M | CBLR | NA | NA | NA | 11.69% |
| Countybank | $733.0M | Risk-based | 14.78% | 14.78% | 15.61% | 8.72% |
| The Northwestern Bank | $725.6M | CBLR | NA | NA | NA | 11.22% |
| First Midwest Bank of the Ozarks | $733.2M | CBLR | NA | NA | NA | 10.85% |
| Homebank | $733.3M | CBLR | NA | NA | NA | 9.61% |
| Peer 25th percentile | 13.48% | 13.48% | 14.48% | 9.49% | ||
| Peer median | 14.66% | 14.66% | 15.71% | 11.03% | ||
| Peer 75th percentile | 15.69% | 15.69% | 16.77% | 11.67% | ||
| This bank's percentile | 100 | 100 | 100 | 100 |
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/333856/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.