Great Plains National Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.10% (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: 4.10% (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 10.86% +4.36 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 | $178.0M | 177,993 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.64B | 1,639,343 | RCOAA223 |
| Recomputed ratio | 10.86% | numerator / denominator | |
| Filed ratio | 10.86% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.36 pp | $71.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.86% +2.86 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 | $178.0M | 177,993 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.64B | 1,639,343 | RCOAA223 |
| Recomputed ratio | 10.86% | numerator / denominator | |
| Filed ratio | 10.86% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.86 pp | $46.8M | capital that could be lost first |
Total risk-based capital ratio 12.10% +2.10 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 | $198.3M | 198,331 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.64B | 1,639,343 | RCOAA223 |
| Recomputed ratio | 12.10% | numerator / denominator | |
| Filed ratio | 12.10% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.10 pp | $34.4M | capital that could be lost first |
Tier 1 leverage ratio 9.42% +4.42 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 | $178.0M | 177,993 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.89B | 1,888,781 | RCOAA224 |
| Recomputed ratio | 9.42% | numerator / denominator | |
| Filed ratio | 9.42% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.42 pp | $83.6M | 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 | 8,405 | 8,405 | 8,405 | 8,405 | 8,405 | 8,405 | RCOAP742 |
| Retained earnings | 187,103 | 188,277 | 183,998 | 176,934 | 174,056 | 171,615 | RCOAKW00 |
| Accumulated other comprehensive income | (2,013) | (1,074) | (971) | (955) | (3,352) | (3,160) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 193,495 | 195,608 | 191,432 | 184,384 | 179,109 | 176,860 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (15,502) | (16,601) | (16,864) | (17,041) | (14,804) | (15,156) | P859 - P840 |
| Common equity Tier 1 capital | 177,993 | 179,007 | 174,568 | 167,343 | 164,305 | 161,704 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 177,993 | 179,007 | 174,568 | 167,343 | 164,305 | 161,704 | RCOA8274 |
| Tier 2 capital | 20,338 | 19,927 | 19,454 | 18,653 | 17,433 | 16,134 | RCOA5311 |
| Allowance includable in Tier 2 capital | 20,338 | 19,927 | 19,454 | 18,653 | 17,433 | 16,134 | RCOA5310 |
| Total capital | 198,331 | 198,934 | 194,022 | 185,996 | 181,738 | 177,838 | RCOA3792 |
| Total risk-weighted assets | 1,639,343 | 1,592,579 | 1,587,792 | 1,559,830 | 1,515,979 | 1,447,020 | RCOAA223 |
| Average total assets for the leverage ratio | 1,888,781 | 1,849,910 | 1,830,922 | 1,822,389 | 1,785,607 | 1,722,026 | 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 | $82.9M | $4.1M | 4.96% | 0.25% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $101.4M | $27.1M | 26.78% | 1.66% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $11.6M | $2.3M | 20.00% | 0.14% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $357.3M | $175.4M | 49.10% | 10.70% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $17.0M | $25.5M | 150.00% | 1.55% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $22.9M | $21.6M | 94.46% | 1.32% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.25B | $1.19B | 95.21% | 72.82% | RC-R Part II, item 4.d, 5.d |
| All other assets | $86.0M | $85.3M | 99.10% | 5.20% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $99.4M | $99.4M | 100.00% | 6.06% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $4.8M | NA | 0.30% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.63B | ties to item 31 ($1.63B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.64B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.64B | 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 | 10.86% | 10.86% | 12.10% | 9.42% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.24% | 11.24% | 12.49% | 9.68% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.99% | 10.99% | 12.22% | 9.53% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 10.73% | 10.73% | 11.92% | 9.18% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 10.84% | 10.84% | 11.99% | 9.20% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.18% | 11.18% | 12.29% | 9.39% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.06% | 11.06% | 12.11% | 9.37% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.77% | 10.77% | 11.81% | 9.18% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.28% | 10.28% | 11.28% | 8.97% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.16% | 10.16% | 11.41% | 9.17% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.29% | 10.29% | 11.41% | 9.17% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 9.97% | 9.97% | 11.05% | 8.68% | 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 |
|---|---|---|---|---|---|---|
| Great Plains National Bank (this bank) | Risk-based | 10.86% | 10.86% | 12.10% | 9.42% | |
| Whitaker Bank, Inc | $1.93B | CBLR | NA | NA | NA | 12.89% |
| First Northern Bank of Dixon | $1.93B | Risk-based | 17.75% | 17.75% | 18.97% | 11.95% |
| Bankwest, Incorporated | $1.93B | Risk-based | 10.58% | 10.58% | 11.57% | 9.21% |
| Thomaston Savings Bank | $1.93B | CBLR | NA | NA | NA | 10.68% |
| Fairfield County Bank | $1.92B | CBLR | NA | NA | NA | 14.32% |
| Climate First Bank | $1.94B | Risk-based | 9.83% | 9.83% | 10.87% | 9.66% |
| First American Bank | $1.91B | Risk-based | 17.94% | 17.94% | 19.19% | 11.79% |
| BANK7 | $1.91B | Risk-based | 15.18% | 15.18% | 16.36% | 13.88% |
| BTC Bank | $1.91B | CBLR | NA | NA | NA | 9.35% |
| Bank of Bird-In-Hand | $1.91B | Risk-based | 10.76% | 10.76% | 11.39% | 9.82% |
| Peer 25th percentile | 10.63% | 10.63% | 11.43% | 9.70% | ||
| Peer median | 12.97% | 12.97% | 13.96% | 11.24% | ||
| Peer 75th percentile | 17.11% | 17.11% | 18.31% | 12.66% | ||
| This bank's percentile | 50 | 50 | 50 | 20 |
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/2482824/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.