Gulf Capital Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.63% (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: 9.63% (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 16.72% +10.22 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 | $82.2M | 82,236 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $491.9M | 491,906 | RCOAA223 |
| Recomputed ratio | 16.72% | numerator / denominator | |
| Filed ratio | 16.72% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.22 pp | $50.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.72% +8.72 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 | $82.2M | 82,236 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $491.9M | 491,906 | RCOAA223 |
| Recomputed ratio | 16.72% | numerator / denominator | |
| Filed ratio | 16.72% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.72 pp | $42.9M | capital that could be lost first |
Total risk-based capital ratio 17.63% +7.63 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 | $86.7M | 86,727 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $491.9M | 491,906 | RCOAA223 |
| Recomputed ratio | 17.63% | numerator / denominator | |
| Filed ratio | 17.63% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.63 pp | $37.5M | capital that could be lost first |
Tier 1 leverage ratio 13.78% +8.78 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 | $82.2M | 82,236 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $596.9M | 596,894 | RCOAA224 |
| Recomputed ratio | 13.78% | numerator / denominator | |
| Filed ratio | 13.78% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.78 pp | $52.4M | 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 | 94,806 | 94,782 | 94,774 | 94,752 | 94,729 | 94,706 | RCOAP742 |
| Retained earnings | (12,570) | (13,866) | (14,686) | (17,019) | (17,690) | (18,100) | RCOAKW00 |
| Accumulated other comprehensive income | (3,256) | (2,810) | (1,565) | (2,204) | (4,476) | (4,364) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 78,980 | 78,106 | 78,523 | 75,529 | 72,563 | 72,242 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,256 | 2,810 | 1,565 | 2,204 | 4,476 | 4,364 | P859 - P840 |
| Common equity Tier 1 capital | 82,236 | 80,916 | 80,088 | 77,733 | 77,039 | 76,606 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 82,236 | 80,916 | 80,088 | 77,733 | 77,039 | 76,606 | RCOA8274 |
| Tier 2 capital | 4,491 | 4,822 | 4,622 | 3,920 | 3,700 | 3,439 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,491 | 4,822 | 4,622 | 3,920 | 3,700 | 3,439 | RCOA5310 |
| Total capital | 86,727 | 85,738 | 84,710 | 81,653 | 80,739 | 80,045 | RCOA3792 |
| Total risk-weighted assets | 491,906 | 490,038 | 481,314 | 454,680 | 460,669 | 423,505 | RCOAA223 |
| Average total assets for the leverage ratio | 596,894 | 592,791 | 622,220 | 605,521 | 594,381 | 543,064 | 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 | $14.9M | $433K | 2.90% | 0.09% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $199.7M | $55.5M | 27.80% | 11.29% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $16.1M | $8.0M | 50.00% | 1.64% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $360.3M | $360.3M | 100.00% | 73.26% | RC-R Part II, item 4.d, 5.d |
| All other assets | $9.5M | $9.5M | 100.00% | 1.93% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $54.1M | $54.1M | 100.00% | 11.00% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $4.0M | NA | 0.81% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $487.9M | ties to item 31 ($487.9M) |
|---|---|---|
| Risk-weighted assets before deductions | $491.9M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $491.9M | 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 | 16.72% | 16.72% | 17.63% | 13.78% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 16.51% | 16.51% | 17.50% | 13.65% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 16.64% | 16.64% | 17.60% | 12.87% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 17.10% | 17.10% | 17.96% | 12.84% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 16.72% | 16.72% | 17.53% | 12.96% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 18.09% | 18.09% | 18.90% | 14.11% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 21.20% | 21.20% | 22.02% | 14.05% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 20.06% | 20.06% | 21.08% | 13.84% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 19.43% | 19.43% | 20.33% | 14.10% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 20.96% | 20.96% | 21.91% | 13.65% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 20.10% | 20.10% | 21.00% | 13.72% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 20.73% | 20.73% | 21.99% | 15.30% | 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 |
|---|---|---|---|---|---|---|
| Gulf Capital Bank (this bank) | Risk-based | 16.72% | 16.72% | 17.63% | 13.78% | |
| Unison Bank | $596.9M | CBLR | NA | NA | NA | 10.02% |
| Citizens Bank Minnesota | $596.0M | Risk-based | 11.68% | 11.68% | 12.33% | 9.33% |
| Pineland Bank | $597.1M | CBLR | NA | NA | NA | 10.48% |
| The Falls City National Bank | $597.1M | CBLR | NA | NA | NA | 16.33% |
| First Piedmont Federal Savings and Loan Association | $597.1M | CBLR | NA | NA | NA | 29.14% |
| Regional Missouri Bank | $597.4M | CBLR | NA | NA | NA | 11.61% |
| Palmetto State Bank | $597.5M | CBLR | NA | NA | NA | 14.85% |
| Cattlemens Bank | $595.2M | CBLR | NA | NA | NA | 10.28% |
| Hatboro Federal Savings | $597.8M | Risk-based | 42.39% | 42.39% | 43.38% | 24.52% |
| Wayne County Bank | $595.1M | CBLR | NA | NA | NA | 13.58% |
| Peer 25th percentile | 19.36% | 19.36% | 20.09% | 10.33% | ||
| Peer median | 27.03% | 27.03% | 27.86% | 12.60% | ||
| Peer 75th percentile | 34.71% | 34.71% | 35.62% | 15.96% | ||
| This bank's percentile | 50 | 50 | 50 | 60 |
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/5382514/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.