Greene Commercial Bank: Regulatory Capital and Risk-Weighted Assets
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As of 3Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 39.22% (3Q26), 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: 39.22% (RCOAH311).
What each ratio is made of, 3Q26
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 47.22% +40.72 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 | $139.7M | 139,656 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $295.8M | 295,776 | RCOAA223 |
| Recomputed ratio | 47.22% | numerator / denominator | |
| Filed ratio | 47.22% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +40.72 pp | $120.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 47.22% +39.22 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 | $139.7M | 139,656 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $295.8M | 295,776 | RCOAA223 |
| Recomputed ratio | 47.22% | numerator / denominator | |
| Filed ratio | 47.22% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +39.22 pp | $116.0M | capital that could be lost first |
Total risk-based capital ratio 47.22% +37.22 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 | $139.7M | 139,656 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $295.8M | 295,776 | RCOAA223 |
| Recomputed ratio | 47.22% | numerator / denominator | |
| Filed ratio | 47.22% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +37.22 pp | $110.1M | capital that could be lost first |
Tier 1 leverage ratio 10.71% +5.71 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 | $139.7M | 139,656 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.30B | 1,304,151 | RCOAA224 |
| Recomputed ratio | 10.71% | numerator / denominator | |
| Filed ratio | 10.71% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.71 pp | $74.4M | 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 | 3Q26 | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 46,300 | 46,300 | 46,300 | 46,300 | 46,300 | 46,300 | RCOAP742 |
| Retained earnings | 93,356 | 90,643 | 85,864 | 81,415 | 78,330 | 75,943 | RCOAKW00 |
| Accumulated other comprehensive income | (14,671) | (11,248) | (10,939) | (10,730) | (11,618) | (12,753) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 124,985 | 125,695 | 121,225 | 116,985 | 113,012 | 109,490 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 14,671 | 11,248 | 10,939 | 10,730 | 11,618 | 12,753 | P859 - P840 |
| Common equity Tier 1 capital | 139,656 | 136,943 | 132,164 | 127,715 | 124,630 | 122,243 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 139,656 | 136,943 | 132,164 | 127,715 | 124,630 | 122,243 | RCOA8274 |
| Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOA5311 |
| Allowance includable in Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOA5310 |
| Total capital | 139,656 | 136,943 | 132,164 | 127,715 | 124,630 | 122,243 | RCOA3792 |
| Total risk-weighted assets | 295,776 | 267,064 | 284,725 | 254,482 | 279,162 | 260,892 | RCOAA223 |
| Average total assets for the leverage ratio | 1,304,151 | 1,362,106 | 1,387,719 | 1,431,539 | 1,269,604 | 1,338,580 | RCOAA224 |
Risk-weighted assets by exposure category, 3Q26
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 |
|---|---|---|---|---|---|
| Market risk and other approaches | — | $295.8M | — | 100.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $0 | ties to item 31 ($0) |
|---|---|---|
| Risk-weighted assets before deductions | $295.8M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $295.8M | 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 |
|---|---|---|---|---|---|---|---|---|---|
| 3Q26 | Risk-based | 47.22% | 47.22% | 47.22% | 10.71% | 13.62% | 13.62% | 14.73% | 10.57% |
| 2Q26 | Risk-based | 51.28% | 51.28% | 51.28% | 10.05% | 13.50% | 13.54% | 14.66% | 10.50% |
| 1Q26 | Risk-based | 46.42% | 46.42% | 46.42% | 9.52% | 13.42% | 13.44% | 14.57% | 10.45% |
| 4Q25 | Risk-based | 50.19% | 50.19% | 50.19% | 8.92% | 13.34% | 13.36% | 14.43% | 10.37% |
| 3Q25 | Risk-based | 44.64% | 44.64% | 44.64% | 9.82% | 13.37% | 13.38% | 14.48% | 10.36% |
| 2Q25 | Risk-based | 46.86% | 46.86% | 46.86% | 9.13% | 13.18% | 13.19% | 14.24% | 10.29% |
| 1Q25 | Risk-based | 43.09% | 43.09% | 43.09% | 8.93% | 13.10% | 13.11% | 14.23% | 10.22% |
| 4Q24 | Risk-based | 47.71% | 47.71% | 47.71% | 8.97% | 12.98% | 12.98% | 14.08% | 10.06% |
| 3Q24 | Risk-based | 46.14% | 46.14% | 46.14% | 9.78% | 12.97% | 12.98% | 14.12% | 10.10% |
| 2Q24 | Risk-based | 49.50% | 49.50% | 49.50% | 9.12% | 12.91% | 12.93% | 14.04% | 10.09% |
| 1Q24 | Risk-based | 44.58% | 44.58% | 44.58% | 8.94% | 12.89% | 12.89% | 14.00% | 10.04% |
| 4Q23 | Risk-based | 47.20% | 47.20% | 47.20% | 8.91% | 12.80% | 12.80% | 13.90% | 9.98% |
A dash 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, 3Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Greene Commercial Bank (this bank) | Risk-based | 47.22% | 47.22% | 47.22% | 10.71% | |
| Gbank | $1.45B | CBLR | — | — | — | 13.37% |
| Pegasus Bank | $1.45B | Risk-based | 15.17% | 15.17% | 16.23% | 10.95% |
| Independence Bank | $1.45B | Risk-based | 14.83% | 14.83% | 16.03% | 13.20% |
| Bankers' Bank | $1.45B | Risk-based | 16.30% | 16.30% | 17.53% | 14.35% |
| Sovereign Bank | $1.45B | CBLR | — | — | — | 10.21% |
| Central Bank Illinois | $1.45B | CBLR | — | — | — | 10.90% |
| The Union Bank Company | $1.45B | Risk-based | 14.92% | 14.92% | 15.89% | 10.34% |
| Ameriserv Financial Bank | $1.44B | CBLR | — | — | — | 9.73% |
| Citizens Bank | $1.44B | Risk-based | 14.20% | 14.20% | 15.04% | 12.63% |
| Peer 25th percentile | 14.83% | 14.83% | 15.89% | 10.34% | ||
| Peer median | 14.92% | 14.92% | 16.03% | 10.95% | ||
| Peer 75th percentile | 15.17% | 15.17% | 16.23% | 13.20% | ||
| This bank's percentile | 100 | 100 | 100 | 33 |
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/3268249/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.