Granite Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 2.62% (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: 2.62% (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 9.91% +3.41 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 | $29.4M | 29,436 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $297.1M | 297,087 | RCOAA223 |
| Recomputed ratio | 9.91% | numerator / denominator | |
| Filed ratio | 9.91% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.41 pp | $10.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 9.91% +1.91 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 | $29.4M | 29,436 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $297.1M | 297,087 | RCOAA223 |
| Recomputed ratio | 9.91% | numerator / denominator | |
| Filed ratio | 9.91% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +1.91 pp | $5.7M | capital that could be lost first |
Total risk-based capital ratio 10.62% +0.62 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 | $31.6M | 31,556 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $297.1M | 297,087 | RCOAA223 |
| Recomputed ratio | 10.62% | numerator / denominator | |
| Filed ratio | 10.62% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +0.62 pp | $1.8M | capital that could be lost first |
Tier 1 leverage ratio 8.53% +3.53 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 | $29.4M | 29,436 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $345.2M | 345,153 | RCOAA224 |
| Recomputed ratio | 8.53% | numerator / denominator | |
| Filed ratio | 8.53% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.53 pp | $12.2M | 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 | 24,176 | 24,176 | 24,176 | 24,176 | 24,176 | 23,426 | RCOAP742 |
| Retained earnings | 7,601 | 6,558 | 6,130 | 5,926 | 5,548 | 5,045 | RCOAKW00 |
| Accumulated other comprehensive income | (474) | (561) | (341) | (431) | (546) | (652) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 31,303 | 30,173 | 29,965 | 29,671 | 29,178 | 27,819 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,867) | (1,891) | (2,192) | (2,198) | (2,180) | (2,170) | P859 - P840 |
| Common equity Tier 1 capital | 29,436 | 28,282 | 27,773 | 27,473 | 26,998 | 25,649 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 29,436 | 28,282 | 27,773 | 27,473 | 26,998 | 25,649 | RCOA8274 |
| Tier 2 capital | 2,120 | 2,071 | 1,915 | 1,898 | 1,905 | 1,844 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,120 | 2,071 | 1,915 | 1,898 | 1,905 | 1,844 | RCOA5310 |
| Total capital | 31,556 | 30,353 | 29,688 | 29,371 | 28,903 | 27,493 | RCOA3792 |
| Total risk-weighted assets | 297,087 | 288,411 | 281,951 | 267,403 | 274,942 | 259,352 | RCOAA223 |
| Average total assets for the leverage ratio | 345,153 | 349,305 | 338,620 | 342,126 | 317,725 | 306,532 | 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 | $6.5M | $127K | 1.98% | 0.04% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $16.4M | $1.3M | 7.96% | 0.44% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $119.2M | $79.1M | 66.36% | 26.63% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $3.7M | $5.6M | 150.00% | 1.87% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $190.9M | $178.7M | 93.63% | 60.16% | RC-R Part II, item 4.d, 5.d |
| All other assets | $17.0M | $15.3M | 90.06% | 5.14% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $17.0M | $17.0M | 100.00% | 5.72% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1K | 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 | $297.1M | ties to item 31 ($297.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $297.1M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $297.1M | 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 | 9.91% | 9.91% | 10.62% | 8.53% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 9.81% | 9.81% | 10.52% | 8.10% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 9.85% | 9.85% | 10.53% | 8.20% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.27% | 10.27% | 10.98% | 8.03% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 9.82% | 9.82% | 10.51% | 8.50% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 9.89% | 9.89% | 10.60% | 8.37% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.05% | 10.05% | 10.76% | 8.16% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.20% | 10.20% | 10.91% | 8.30% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.18% | 10.18% | 10.91% | 8.08% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 10.02% | 10.02% | 10.73% | 8.26% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.11% | 10.11% | 10.80% | 8.54% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 10.08% | 10.08% | 10.80% | 8.66% | 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 |
|---|---|---|---|---|---|---|
| Granite Bank (this bank) | Risk-based | 9.91% | 9.91% | 10.62% | 8.53% | |
| Mutual Savings Bank | $352.9M | Risk-based | 13.05% | 13.05% | 14.27% | 10.22% |
| Glenwood State Bank | $352.9M | CBLR | NA | NA | NA | 12.45% |
| First State Bank of Texas | $353.6M | CBLR | NA | NA | NA | 9.20% |
| United Southern Bank | $353.7M | CBLR | NA | NA | NA | 12.66% |
| Citizens Bank of Ada | $353.7M | CBLR | NA | NA | NA | 9.50% |
| Citizens Community Bank | $352.6M | CBLR | NA | NA | NA | 14.58% |
| The Waggoner National Bank of Vernon | $353.7M | CBLR | NA | NA | NA | 14.41% |
| First State Bank of Dekalb County, Inc. | $353.8M | Risk-based | 24.03% | 24.03% | 25.28% | 14.13% |
| Sterling Bank | $352.4M | Risk-based | 13.52% | 13.52% | 14.52% | 9.37% |
| Peer 25th percentile | 13.29% | 13.29% | 14.39% | 9.50% | ||
| Peer median | 13.52% | 13.52% | 14.52% | 12.45% | ||
| Peer 75th percentile | 18.78% | 18.78% | 19.90% | 14.13% | ||
| This bank's percentile | 0 | 0 | 0 | 0 |
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/311256/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.