Great Oaks Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.03% (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: 7.03% (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 13.78% +7.28 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 | $43.3M | 43,319 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $314.4M | 314,395 | RCOAA223 |
| Recomputed ratio | 13.78% | numerator / denominator | |
| Filed ratio | 13.78% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.28 pp | $22.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.78% +5.78 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 | $43.3M | 43,319 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $314.4M | 314,395 | RCOAA223 |
| Recomputed ratio | 13.78% | numerator / denominator | |
| Filed ratio | 13.78% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.78 pp | $18.2M | capital that could be lost first |
Total risk-based capital ratio 15.03% +5.03 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 | $47.3M | 47,258 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $314.4M | 314,395 | RCOAA223 |
| Recomputed ratio | 15.03% | numerator / denominator | |
| Filed ratio | 15.03% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.03 pp | $15.8M | capital that could be lost first |
Tier 1 leverage ratio 10.25% +5.25 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 | $43.3M | 43,319 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $422.5M | 422,484 | RCOAA224 |
| Recomputed ratio | 10.25% | numerator / denominator | |
| Filed ratio | 10.25% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.25 pp | $22.2M | 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 | 31,050 | 31,050 | 31,050 | 26,050 | 26,050 | 26,050 | RCOAP742 |
| Retained earnings | 12,106 | 11,660 | 11,354 | 10,890 | 10,313 | 9,653 | RCOAKW00 |
| Accumulated other comprehensive income | (2,197) | (3,624) | (2,315) | (3,426) | (4,441) | (4,780) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 40,959 | 39,086 | 40,089 | 33,514 | 31,922 | 30,923 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,360 | 3,624 | 2,315 | 3,426 | 4,441 | 4,780 | P859 - P840 |
| Common equity Tier 1 capital | 43,319 | 42,710 | 42,404 | 36,940 | 36,363 | 35,703 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 43,319 | 42,710 | 42,404 | 36,940 | 36,363 | 35,703 | RCOA8274 |
| Tier 2 capital | 3,939 | 3,991 | 3,729 | 3,629 | 3,434 | 3,742 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,939 | 3,991 | 3,729 | 3,629 | 3,434 | 3,742 | RCOA5310 |
| Total capital | 47,258 | 46,701 | 46,133 | 40,569 | 39,797 | 39,445 | RCOA3792 |
| Total risk-weighted assets | 314,395 | 318,601 | 297,585 | 289,465 | 273,828 | 298,883 | RCOAA223 |
| Average total assets for the leverage ratio | 422,484 | 411,564 | 399,755 | 394,314 | 384,690 | 381,064 | 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 | $35.4M | $560K | 1.58% | 0.18% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $83.4M | $20.6M | 24.68% | 6.53% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $130K | $26K | 20.00% | 0.01% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $70.6M | $44.7M | 63.34% | 14.20% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $115K | $172K | 150.00% | 0.05% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $207.5M | $200.8M | 96.73% | 63.71% | RC-R Part II, item 4.d, 5.d |
| All other assets | $16.8M | $16.1M | 96.16% | 5.12% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $28.4M | $28.4M | 100.00% | 9.01% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $3.8M | NA | 1.19% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $311.4M | ties to item 31 ($311.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $315.1M | RCONB704 |
| Less: excess allowance for credit losses | $726K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $314.4M | 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 | 13.78% | 13.78% | 15.03% | 10.25% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.41% | 13.41% | 14.66% | 10.38% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.25% | 14.25% | 15.50% | 10.61% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.76% | 12.76% | 14.02% | 9.37% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.28% | 13.28% | 14.53% | 9.45% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.95% | 11.95% | 13.20% | 9.37% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.29% | 12.29% | 13.55% | 9.27% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.29% | 12.29% | 13.55% | 9.12% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.56% | 12.56% | 13.81% | 9.28% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.15% | 12.15% | 13.40% | 9.17% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.82% | 10.82% | 12.03% | 9.82% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.73% | 11.73% | 12.72% | 10.15% | 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 |
|---|---|---|---|---|---|---|
| Great Oaks Bank (this bank) | Risk-based | 13.78% | 13.78% | 15.03% | 10.25% | |
| Cattle Bank & Trust | $421.9M | CBLR | NA | NA | NA | 12.87% |
| First Federal Savings Bank | $421.9M | CBLR | NA | NA | NA | 10.69% |
| The Bank of Brodhead | $421.9M | CBLR | NA | NA | NA | 9.20% |
| Union National Bank | $421.8M | Risk-based | 17.69% | 17.69% | 18.94% | 9.85% |
| MY Kind of Bank, N.A. | $422.6M | Risk-based | 11.89% | 11.89% | 13.04% | 9.03% |
| Haddon Savings Bank | $421.4M | Risk-based | 12.44% | 12.44% | 12.99% | 8.28% |
| Farmers Trust & Savings Bank | $422.7M | CBLR | NA | NA | NA | 9.91% |
| Community Commerce Bank | $422.7M | Risk-based | 18.10% | 18.10% | 19.13% | 15.25% |
| The First National Bank of Allendale | $421.2M | CBLR | NA | NA | NA | 9.80% |
| Astra Bank | $423.3M | Risk-based | 13.11% | 13.11% | 13.92% | 9.27% |
| Peer 25th percentile | 12.44% | 12.44% | 13.04% | 9.22% | ||
| Peer median | 13.11% | 13.11% | 13.92% | 9.83% | ||
| Peer 75th percentile | 17.69% | 17.69% | 18.94% | 10.50% | ||
| This bank's percentile | 60 | 60 | 60 | 70 |
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/364131/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.