Grundy Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 15.68% (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: 15.68% (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 22.43% +15.93 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 | $49.6M | 49,593 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $221.1M | 221,110 | RCOAA223 |
| Recomputed ratio | 22.43% | numerator / denominator | |
| Filed ratio | 22.43% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +15.93 pp | $35.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 22.43% +14.43 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 | $49.6M | 49,593 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $221.1M | 221,110 | RCOAA223 |
| Recomputed ratio | 22.43% | numerator / denominator | |
| Filed ratio | 22.43% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +14.43 pp | $31.9M | capital that could be lost first |
Total risk-based capital ratio 23.68% +13.68 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 | $52.4M | 52,359 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $221.1M | 221,110 | RCOAA223 |
| Recomputed ratio | 23.68% | numerator / denominator | |
| Filed ratio | 23.68% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +13.68 pp | $30.2M | capital that could be lost first |
Tier 1 leverage ratio 12.62% +7.62 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 | $49.6M | 49,593 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $392.9M | 392,862 | RCOAA224 |
| Recomputed ratio | 12.62% | numerator / denominator | |
| Filed ratio | 12.62% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.62 pp | $29.9M | 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 | 7,185 | 7,185 | 7,185 | 7,185 | 7,185 | 7,185 | RCOAP742 |
| Retained earnings | 46,340 | 46,110 | 44,994 | 42,180 | 41,232 | 40,855 | RCOAKW00 |
| Accumulated other comprehensive income | (169) | (108) | 35 | 30 | (52) | (11) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 53,356 | 53,187 | 52,214 | 49,395 | 48,365 | 48,029 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (3,763) | (3,824) | (3,967) | (3,966) | (3,884) | (3,925) | P859 - P840 |
| Common equity Tier 1 capital | 49,593 | 49,363 | 48,247 | 45,429 | 44,481 | 44,104 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 49,593 | 49,363 | 48,247 | 45,429 | 44,481 | 44,104 | RCOA8274 |
| Tier 2 capital | 2,766 | 2,798 | 2,950 | 2,976 | 2,899 | 2,822 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,766 | 2,798 | 2,950 | 2,976 | 2,899 | 2,822 | RCOA5310 |
| Total capital | 52,359 | 52,161 | 51,197 | 48,405 | 47,380 | 46,926 | RCOA3792 |
| Total risk-weighted assets | 221,110 | 223,635 | 235,830 | 237,791 | 231,714 | 225,470 | RCOAA223 |
| Average total assets for the leverage ratio | 392,862 | 364,948 | 374,215 | 394,579 | 380,781 | 344,533 | 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 | $189.0M | $571K | 0.30% | 0.26% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $56.2M | $0 | 0.00% | 0.00% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $92.3M | $55.7M | 60.41% | 25.18% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $1.2M | $1.8M | 150.00% | 0.83% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $155.5M | $151.3M | 97.31% | 68.36% | RC-R Part II, item 4.d, 5.d |
| All other assets | $9.3M | $9.6M | 103.01% | 4.33% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.0M | $2.0M | 100.00% | 0.92% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $269K | NA | 0.12% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $221.0M | ties to item 31 ($221.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $221.3M | RCONB704 |
| Less: excess allowance for credit losses | $208K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $221.1M | 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 | 22.43% | 22.43% | 23.68% | 12.62% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 22.07% | 22.07% | 23.32% | 13.53% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 20.46% | 20.46% | 21.71% | 12.89% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 19.10% | 19.10% | 20.36% | 11.51% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 19.20% | 19.20% | 20.45% | 11.68% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 19.56% | 19.56% | 20.81% | 12.80% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 19.39% | 19.39% | 20.64% | 12.33% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 18.75% | 18.75% | 20.00% | 10.42% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 18.74% | 18.74% | 19.99% | 11.75% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 18.79% | 18.79% | 20.04% | 11.53% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 17.39% | 17.39% | 18.65% | 10.74% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 19.24% | 19.24% | 20.49% | 10.70% | 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 |
|---|---|---|---|---|---|---|
| Grundy Bank (this bank) | Risk-based | 22.43% | 22.43% | 23.68% | 12.62% | |
| Cornerstone Bank | $504.9M | CBLR | NA | NA | NA | 9.16% |
| Piermont Bank | $505.1M | Risk-based | 11.03% | 17.11% | 17.89% | 12.70% |
| Eagle Bank and Trust Company | $505.7M | CBLR | NA | NA | NA | 16.35% |
| Peoples Bank | $503.5M | Risk-based | 15.25% | 15.25% | 16.50% | 11.72% |
| Merchants Commercial Bank | $506.0M | CBLR | NA | NA | NA | 10.79% |
| First Community Bank of the Heartland, Inc. | $506.0M | Risk-based | 9.61% | 9.61% | 10.45% | 8.12% |
| Hamlin Bank and Trust Company | $503.4M | CBLR | NA | NA | NA | 19.96% |
| First Electronic Bank | $502.9M | Risk-based | 90.01% | 90.01% | 90.58% | 46.82% |
| The Peoples State Bank | $506.6M | CBLR | NA | NA | NA | 10.47% |
| Mega Bank | $506.7M | Risk-based | 16.35% | 16.35% | 17.60% | 14.43% |
| Peer 25th percentile | 11.03% | 15.25% | 16.50% | 10.55% | ||
| Peer median | 15.25% | 16.35% | 17.60% | 12.21% | ||
| Peer 75th percentile | 16.35% | 17.11% | 17.89% | 15.87% | ||
| This bank's percentile | 80 | 80 | 80 | 50 |
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/715144/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.