Greenville Federal: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.08% (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: 4.08% (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 11.16% +4.66 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 | $20.7M | 20,676 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $185.2M | 185,198 | RCOAA223 |
| Recomputed ratio | 11.16% | numerator / denominator | |
| Filed ratio | 11.16% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.66 pp | $8.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.16% +3.16 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 | $20.7M | 20,676 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $185.2M | 185,198 | RCOAA223 |
| Recomputed ratio | 11.16% | numerator / denominator | |
| Filed ratio | 11.16% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.16 pp | $5.9M | capital that could be lost first |
Total risk-based capital ratio 12.08% +2.08 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 | $22.4M | 22,376 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $185.2M | 185,198 | RCOAA223 |
| Recomputed ratio | 12.08% | numerator / denominator | |
| Filed ratio | 12.08% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.08 pp | $3.9M | capital that could be lost first |
Tier 1 leverage ratio 7.80% +2.80 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 | $20.7M | 20,676 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $265.0M | 265,001 | RCOAA224 |
| Recomputed ratio | 7.80% | numerator / denominator | |
| Filed ratio | 7.80% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +2.80 pp | $7.4M | 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 | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | (76) | (76) | (76) | (154) | (154) | (154) | RCOAP742 |
| Retained earnings | 20,752 | 20,454 | 20,340 | 20,226 | 20,144 | 20,122 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 20,676 | 20,378 | 20,264 | 20,072 | 19,990 | 19,968 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 0 | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 20,676 | 20,378 | 20,264 | 20,072 | 19,990 | 19,968 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 20,676 | 20,378 | 20,264 | 20,072 | 19,990 | 19,968 | RCOA8274 |
| Tier 2 capital | 1,700 | 1,705 | 1,705 | 1,708 | 1,704 | 1,667 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,700 | 1,705 | 1,705 | 1,708 | 1,704 | 1,667 | RCOA5310 |
| Total capital | 22,376 | 22,083 | 21,969 | 21,780 | 21,694 | 21,635 | RCOA3792 |
| Total risk-weighted assets | 185,198 | 191,467 | 191,651 | 190,589 | 189,963 | 186,815 | RCOAA223 |
| Average total assets for the leverage ratio | 265,001 | 263,116 | 263,699 | 260,233 | 256,274 | 252,796 | 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 | $21.6M | $3.4M | 15.54% | 1.81% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $15.3M | $2.8M | 18.59% | 1.53% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $138.9M | $75.6M | 54.41% | 40.80% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $36K | $54K | 150.00% | 0.03% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $71.8M | $71.8M | 100.00% | 38.75% | RC-R Part II, item 4.d, 5.d |
| All other assets | $18.0M | $18.6M | 103.58% | 10.06% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $13.0M | $13.0M | 100.00% | 7.00% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1K | 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 | $185.2M | ties to item 31 ($185.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $185.2M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $185.2M | 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 | 11.16% | 11.16% | 12.08% | 7.80% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 10.64% | 10.64% | 11.53% | 7.74% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.57% | 10.57% | 11.46% | 7.68% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.53% | 10.53% | 11.43% | 7.71% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.52% | 10.52% | 11.42% | 7.80% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 10.69% | 10.69% | 11.58% | 7.90% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.69% | 10.69% | 11.61% | 7.80% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.31% | 11.31% | 12.17% | 8.11% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.71% | 11.71% | 12.57% | 8.23% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.05% | 12.05% | 12.88% | 8.47% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.50% | 12.50% | 13.29% | 8.51% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.42% | 12.42% | 13.21% | 8.60% | 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 |
|---|---|---|---|---|---|---|
| Greenville Federal (this bank) | Risk-based | 11.16% | 11.16% | 12.08% | 7.80% | |
| Security Bank USA | $263.9M | Risk-based | 13.47% | 13.47% | 14.72% | 9.36% |
| Bank of Jamestown | $263.8M | CBLR | NA | NA | NA | 12.96% |
| Madison Valley Bank | $263.7M | Risk-based | 14.52% | 14.52% | 15.77% | 9.24% |
| FBT Bank & Mortgage | $263.6M | CBLR | NA | NA | NA | 10.39% |
| Commercial State Bank | $264.4M | CBLR | NA | NA | NA | 9.64% |
| Summit Bank | $264.4M | Risk-based | 20.74% | 20.74% | 22.01% | 16.37% |
| Texas Financial Bank | $264.6M | CBLR | NA | NA | NA | 11.72% |
| Bank of Desoto, N.A. | $264.6M | CBLR | NA | NA | NA | 10.06% |
| Jim Thorpe Neighborhood Bank | $265.0M | Risk-based | 21.01% | 21.01% | 22.04% | 10.08% |
| Peer 25th percentile | 14.25% | 14.25% | 15.51% | 9.64% | ||
| Peer median | 17.63% | 17.63% | 18.89% | 10.08% | ||
| Peer 75th percentile | 20.81% | 20.81% | 22.02% | 11.72% | ||
| 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/567679/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.