Greeneville Federal Bank, F.S.B.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 15.39% (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: 15.39% (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 22.14% +15.64 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 | $31.7M | 31,681 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $143.1M | 143,121 | RCOAA223 |
| Recomputed ratio | 22.14% | numerator / denominator | |
| Filed ratio | 22.14% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +15.64 pp | $22.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 22.14% +14.14 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 | $31.7M | 31,681 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $143.1M | 143,121 | RCOAA223 |
| Recomputed ratio | 22.14% | numerator / denominator | |
| Filed ratio | 22.14% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +14.14 pp | $20.2M | capital that could be lost first |
Total risk-based capital ratio 23.39% +13.39 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 | $33.5M | 33,476 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $143.1M | 143,121 | RCOAA223 |
| Recomputed ratio | 23.39% | numerator / denominator | |
| Filed ratio | 23.39% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +13.39 pp | $19.2M | capital that could be lost first |
Tier 1 leverage ratio 15.59% +10.59 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 | $31.7M | 31,681 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $203.2M | 203,222 | RCOAA224 |
| Recomputed ratio | 15.59% | numerator / denominator | |
| Filed ratio | 15.59% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +10.59 pp | $21.5M | 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 | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 31,681 | 30,862 | 30,414 | 29,973 | 29,323 | 28,818 | RCOAKW00 |
| Accumulated other comprehensive income | (2) | (2) | 3 | 0 | (14) | (13) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 31,679 | 30,860 | 30,417 | 29,973 | 29,309 | 28,805 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2 | 2 | (3) | 0 | 14 | 13 | P859 - P840 |
| Common equity Tier 1 capital | 31,681 | 30,862 | 30,414 | 29,973 | 29,323 | 28,818 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 31,681 | 30,862 | 30,414 | 29,973 | 29,323 | 28,818 | RCOA8274 |
| Tier 2 capital | 1,795 | 1,850 | 1,835 | 1,826 | 1,710 | 1,699 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,795 | 1,850 | 1,835 | 1,826 | 1,710 | 1,699 | RCOA5310 |
| Total capital | 33,476 | 32,712 | 32,249 | 31,799 | 31,033 | 30,517 | RCOA3792 |
| Total risk-weighted assets | 143,121 | 147,527 | 146,374 | 145,641 | 136,228 | 135,333 | RCOAA223 |
| Average total assets for the leverage ratio | 203,222 | 205,168 | 202,447 | 199,440 | 189,457 | 192,212 | 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 | $22.0M | $184K | 0.84% | 0.13% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.8M | $160K | 8.87% | 0.11% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $94.3M | $47.2M | 50.00% | 32.84% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $14.0M | $21.0M | 150.00% | 14.64% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $62.5M | $59.5M | 95.13% | 41.43% | RC-R Part II, item 4.d, 5.d |
| All other assets | $11.3M | $10.6M | 93.63% | 7.38% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $5.0M | $5.0M | 100.00% | 3.48% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $500 | 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 | $143.6M | ties to item 31 ($143.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $143.6M | RCONB704 |
| Less: excess allowance for credit losses | $500K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $143.1M | 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 | 22.14% | 22.14% | 23.39% | 15.59% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 20.92% | 20.92% | 22.17% | 15.04% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 20.78% | 20.78% | 22.03% | 15.02% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 20.58% | 20.58% | 21.83% | 15.03% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 21.52% | 21.52% | 22.78% | 15.48% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 21.29% | 21.29% | 22.55% | 14.99% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 21.04% | 21.04% | 22.30% | 14.90% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 20.69% | 20.69% | 21.94% | 14.92% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 21.26% | 21.26% | 22.52% | 15.22% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 20.38% | 20.38% | 21.64% | 14.78% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 21.16% | 21.16% | 22.41% | 15.04% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 21.92% | 21.92% | 23.18% | 15.31% | 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 |
|---|---|---|---|---|---|---|
| Greeneville Federal Bank, F.S.B. (this bank) | Risk-based | 22.14% | 22.14% | 23.39% | 15.59% | |
| The First National Bank of Dryden | $203.9M | CBLR | NA | NA | NA | 13.55% |
| The First National Bank of Groton | $203.9M | CBLR | NA | NA | NA | 14.58% |
| Minnstar Bank N.A. | $204.0M | Risk-based | 13.42% | 13.42% | 14.67% | 10.38% |
| Scott State Bank | $203.5M | CBLR | NA | NA | NA | 13.67% |
| NorthStar Bank | $203.4M | Risk-based | 16.72% | 16.72% | 17.66% | 11.66% |
| Boc Bank | $203.4M | Risk-based | 16.02% | 16.02% | 17.27% | 12.41% |
| Bank of Commerce | $203.2M | Risk-based | 18.05% | 18.05% | 19.30% | 12.78% |
| Houghton State Bank | $204.9M | Risk-based | 19.94% | 19.94% | 21.19% | 15.41% |
| Commonwealth Cooperative Bank | $205.0M | CBLR | NA | NA | NA | 16.31% |
| Buffalo Federal Bank | $202.6M | CBLR | NA | NA | NA | 10.38% |
| Peer 25th percentile | 16.02% | 16.02% | 17.27% | 11.85% | ||
| Peer median | 16.72% | 16.72% | 17.66% | 13.16% | ||
| Peer 75th percentile | 18.05% | 18.05% | 19.30% | 14.35% | ||
| This bank's percentile | 100 | 100 | 100 | 90 |
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/645577/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.