Great Rivers Bank: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.47% (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: 5.47% (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 12.45% +5.95 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 | $21.8M | 21,839 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $175.5M | 175,471 | RCOAA223 |
| Recomputed ratio | 12.45% | numerator / denominator | |
| Filed ratio | 12.45% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.95 pp | $10.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.45% +4.45 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 | $21.8M | 21,839 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $175.5M | 175,471 | RCOAA223 |
| Recomputed ratio | 12.45% | numerator / denominator | |
| Filed ratio | 12.45% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.45 pp | $7.8M | capital that could be lost first |
Total risk-based capital ratio 13.47% +3.47 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 | $23.6M | 23,628 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $175.5M | 175,471 | RCOAA223 |
| Recomputed ratio | 13.47% | numerator / denominator | |
| Filed ratio | 13.47% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.47 pp | $6.1M | capital that could be lost first |
Tier 1 leverage ratio 11.20% +6.20 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 | $21.8M | 21,839 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $195.0M | 195,032 | RCOAA224 |
| Recomputed ratio | 11.20% | numerator / denominator | |
| Filed ratio | 11.20% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.20 pp | $12.1M | 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 | 1,222 | 1,222 | 1,222 | 1,222 | 1,222 | 1,222 | RCOAP742 |
| Retained earnings | 21,332 | 20,759 | 20,060 | 20,523 | 20,071 | 19,518 | RCOAKW00 |
| Accumulated other comprehensive income | (467) | (432) | (337) | (535) | (727) | (830) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 22,087 | 21,549 | 20,945 | 21,210 | 20,566 | 19,910 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (248) | (316) | (443) | (277) | (118) | (48) | P859 - P840 |
| Common equity Tier 1 capital | 21,839 | 21,233 | 20,502 | 20,933 | 20,448 | 19,862 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 21,839 | 21,233 | 20,502 | 20,933 | 20,448 | 19,862 | RCOA8274 |
| Tier 2 capital | 1,789 | 1,754 | 1,723 | 1,665 | 1,612 | 1,581 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,789 | 1,754 | 1,723 | 1,665 | 1,612 | 1,581 | RCOA5310 |
| Total capital | 23,628 | 22,987 | 22,225 | 22,598 | 22,060 | 21,443 | RCOA3792 |
| Total risk-weighted assets | 175,471 | 172,532 | 175,042 | 173,281 | 168,499 | 164,992 | RCOAA223 |
| Average total assets for the leverage ratio | 195,032 | 195,193 | 193,551 | 189,751 | 183,383 | 177,470 | 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 | $9.9M | $2.0M | 20.00% | 1.14% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $18.1M | $3.4M | 18.85% | 1.94% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $13.2M | $7.4M | 56.33% | 4.22% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $27K | $40K | 150.00% | 0.02% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $148.2M | $148.2M | 100.00% | 84.45% | RC-R Part II, item 4.d, 5.d |
| All other assets | $5.8M | $5.8M | 100.00% | 3.30% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $5.3M | $5.3M | 100.00% | 3.00% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $3.4M | NA | 1.92% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $172.1M | does not tie to item 31 ($175.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $175.5M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $175.5M | 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 | 12.45% | 12.45% | 13.47% | 11.20% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.31% | 12.31% | 13.32% | 10.88% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.71% | 11.71% | 12.70% | 10.59% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.08% | 12.08% | 13.04% | 11.03% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.14% | 12.14% | 13.09% | 11.15% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.04% | 12.04% | 13.00% | 11.19% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.07% | 12.07% | 13.04% | 11.11% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.42% | 12.42% | 13.39% | 11.57% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.60% | 12.60% | 13.62% | 11.73% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.93% | 12.93% | 14.00% | 11.48% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.92% | 11.92% | 12.91% | 10.83% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.23% | 12.23% | 13.26% | 10.75% | 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 Rivers Bank (this bank) | Risk-based | 12.45% | 12.45% | 13.47% | 11.20% | |
| Community Bank of Elmhurst | $194.5M | Risk-based | 15.24% | 15.24% | 16.50% | 9.94% |
| Central Federal Savings and Loan Association | $194.6M | CBLR | NA | NA | NA | 10.32% |
| Citizens State Bank | $194.7M | CBLR | NA | NA | NA | 12.45% |
| Bank of Cave City | $194.4M | Risk-based | 20.62% | 20.62% | 21.80% | 8.38% |
| The Fidelity State Bank and Trust Company | $194.8M | Risk-based | 153.07% | 153.07% | 154.34% | 23.58% |
| First National Bank of Absecon | $195.0M | CBLR | NA | NA | NA | 10.21% |
| The Seiling State Bank | $195.0M | Risk-based | 13.74% | 13.74% | 15.00% | 10.54% |
| The Farmers State Bank | $193.9M | Risk-based | 13.05% | 13.05% | 14.28% | 9.30% |
| Liberty Bank | $193.9M | Risk-based | 20.76% | 20.76% | 21.60% | 12.21% |
| Peoples Bank | $193.7M | CBLR | NA | NA | NA | 9.24% |
| Peer 25th percentile | 14.12% | 14.12% | 15.37% | 9.46% | ||
| Peer median | 17.93% | 17.93% | 19.05% | 10.26% | ||
| Peer 75th percentile | 20.73% | 20.73% | 21.75% | 11.79% | ||
| This bank's percentile | 0 | 0 | 0 | 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/857941/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.