Green Belt Bank & Trust: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.38% (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: 3.38% (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 10.13% +3.63 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 | $69.6M | 69,567 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $686.8M | 686,825 | RCOAA223 |
| Recomputed ratio | 10.13% | numerator / denominator | |
| Filed ratio | 10.13% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.63 pp | $24.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.13% +2.13 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 | $69.6M | 69,567 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $686.8M | 686,825 | RCOAA223 |
| Recomputed ratio | 10.13% | numerator / denominator | |
| Filed ratio | 10.13% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.13 pp | $14.6M | capital that could be lost first |
Total risk-based capital ratio 11.38% +1.38 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 | $78.2M | 78,157 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $686.8M | 686,825 | RCOAA223 |
| Recomputed ratio | 11.38% | numerator / denominator | |
| Filed ratio | 11.38% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.38 pp | $9.5M | capital that could be lost first |
Tier 1 leverage ratio 9.18% +4.18 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 | $69.6M | 69,567 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $757.6M | 757,572 | RCOAA224 |
| Recomputed ratio | 9.18% | numerator / denominator | |
| Filed ratio | 9.18% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.18 pp | $31.7M | 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 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | RCOAP742 |
| Retained earnings | 64,625 | 63,027 | 61,525 | 61,114 | 59,332 | 57,774 | RCOAKW00 |
| Accumulated other comprehensive income | (1,939) | (2,081) | (1,767) | (2,235) | (2,620) | (3,255) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 70,686 | 68,946 | 67,758 | 66,879 | 64,712 | 62,519 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,119) | (977) | (1,291) | (705) | (438) | 197 | P859 - P840 |
| Common equity Tier 1 capital | 69,567 | 67,969 | 66,467 | 66,174 | 64,274 | 62,716 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 69,567 | 67,969 | 66,467 | 66,174 | 64,274 | 62,716 | RCOA8274 |
| Tier 2 capital | 8,590 | 8,627 | 8,505 | 8,091 | 8,131 | 8,216 | RCOA5311 |
| Allowance includable in Tier 2 capital | 8,590 | 8,627 | 8,505 | 8,091 | 8,131 | 8,216 | RCOA5310 |
| Total capital | 78,157 | 76,596 | 74,972 | 74,265 | 72,405 | 70,932 | RCOA3792 |
| Total risk-weighted assets | 686,825 | 690,069 | 680,208 | 646,641 | 650,123 | 657,125 | RCOAA223 |
| Average total assets for the leverage ratio | 757,572 | 749,018 | 740,446 | 721,637 | 715,009 | 709,125 | 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 | $11.5M | $1.1M | 9.75% | 0.16% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $58.5M | $6.4M | 10.87% | 0.93% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $33.0M | $6.6M | 20.00% | 0.96% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $79.3M | $57.0M | 71.88% | 8.30% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $233K | $233K | 100.00% | 0.03% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $557.8M | $553.4M | 99.21% | 80.53% | RC-R Part II, item 4.d, 5.d |
| All other assets | $26.3M | $25.7M | 97.75% | 3.74% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $36.7M | $36.7M | 100.00% | 5.34% | 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 | $687.2M | ties to item 31 ($687.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $687.2M | RCONB704 |
| Less: excess allowance for credit losses | $349K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $686.8M | 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 | 10.13% | 10.13% | 11.38% | 9.18% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 9.85% | 9.85% | 11.10% | 9.07% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 9.77% | 9.77% | 11.02% | 8.98% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.23% | 10.23% | 11.48% | 9.17% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 9.89% | 9.89% | 11.14% | 8.99% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 9.54% | 9.54% | 10.79% | 8.84% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 9.45% | 9.45% | 10.70% | 8.94% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 9.91% | 9.91% | 11.17% | 9.15% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 9.80% | 9.80% | 11.05% | 8.96% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 9.77% | 9.77% | 11.02% | 8.86% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 9.62% | 9.62% | 10.87% | 8.91% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 10.36% | 10.36% | 11.61% | 9.24% | 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 |
|---|---|---|---|---|---|---|
| Green Belt Bank & Trust (this bank) | Risk-based | 10.13% | 10.13% | 11.38% | 9.18% | |
| Alliance Bank | $755.9M | Risk-based | 11.73% | 11.73% | 12.98% | 10.07% |
| First State Bank | $761.7M | CBLR | NA | NA | NA | 11.44% |
| Eaglemark Savings Bank | $755.7M | Risk-based | 24.83% | 24.83% | 24.86% | 23.68% |
| Bac Community Bank | $761.9M | Risk-based | 16.60% | 16.60% | 17.85% | 11.44% |
| Commerce Bank | $762.5M | Risk-based | 29.75% | 29.75% | 30.73% | 12.28% |
| First National Community Bank | $754.7M | CBLR | NA | NA | NA | 12.92% |
| Optus Bank | $764.2M | Risk-based | 19.52% | 19.52% | 20.01% | 12.99% |
| United Valley Bank | $751.6M | CBLR | NA | NA | NA | 10.50% |
| Peer 25th percentile | 16.60% | 16.60% | 17.85% | 11.20% | ||
| Peer median | 19.52% | 19.52% | 20.01% | 11.86% | ||
| Peer 75th percentile | 24.83% | 24.83% | 24.86% | 12.94% | ||
| 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/803649/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.