Habib American Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.03% (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: 6.03% (RCFAH311).
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 12.79% +6.29 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 | $250.2M | 250,174 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.96B | 1,956,457 | RCFAA223 |
| Recomputed ratio | 12.79% | numerator / denominator | |
| Filed ratio | 12.79% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.29 pp | $123.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.79% +4.79 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 | $250.2M | 250,174 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.96B | 1,956,457 | RCFAA223 |
| Recomputed ratio | 12.79% | numerator / denominator | |
| Filed ratio | 12.79% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.79 pp | $93.7M | capital that could be lost first |
Total risk-based capital ratio 14.03% +4.03 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 | $274.5M | 274,542 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.96B | 1,956,457 | RCFAA223 |
| Recomputed ratio | 14.03% | numerator / denominator | |
| Filed ratio | 14.03% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.03 pp | $78.9M | capital that could be lost first |
Tier 1 leverage ratio 8.49% +3.49 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 | $250.2M | 250,174 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.95B | 2,945,467 | RCFAA224 |
| Recomputed ratio | 8.49% | numerator / denominator | |
| Filed ratio | 8.49% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.49 pp | $102.9M | 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 | 6,000 | 6,000 | 6,000 | 6,000 | 6,000 | 6,000 | RCFAP742 |
| Retained earnings | 246,771 | 246,762 | 239,921 | 235,015 | 228,844 | 230,390 | RCFAKW00 |
| Accumulated other comprehensive income | (533) | (1,355) | (1,488) | (1,995) | (2,327) | (2,060) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 252,238 | 251,407 | 244,433 | 239,020 | 232,517 | 234,330 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,064) | (1,242) | (1,109) | (602) | (270) | (537) | P859 - P840 |
| Common equity Tier 1 capital | 250,174 | 250,165 | 243,324 | 238,418 | 232,247 | 233,793 | RCFAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 250,174 | 250,165 | 243,324 | 238,418 | 232,247 | 233,793 | RCFA8274 |
| Tier 2 capital | 24,368 | 23,833 | 23,533 | 22,308 | 21,843 | 21,123 | RCFA5311 |
| Allowance includable in Tier 2 capital | 24,368 | 23,833 | 23,533 | 22,308 | 21,843 | 21,123 | RCFA5310 |
| Total capital | 274,542 | 273,998 | 266,857 | 260,726 | 254,090 | 254,916 | RCFA3792 |
| Total risk-weighted assets | 1,956,457 | 1,906,103 | 1,881,807 | 1,783,831 | 1,746,185 | 1,687,996 | RCFAA223 |
| Average total assets for the leverage ratio | 2,945,467 | 2,809,396 | 2,821,540 | 2,838,865 | 2,868,746 | 2,606,594 | RCFAA224 |
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 | $496.5M | $1.7M | 0.35% | 0.09% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $321.7M | $25.2M | 7.83% | 1.29% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $1.89B | $1.80B | 94.83% | 91.84% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $31.9M | $6.4M | 20.00% | 0.33% | RC-R Part II, item 4.d, 5.d |
| All other assets | $109.4M | $109.4M | 100.00% | 5.59% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $11.5M | $11.5M | 100.00% | 0.59% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.4M | $0 | 0.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $5.4M | NA | 0.28% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.95B | ties to item 31 ($1.95B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.96B | RCFDB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.96B | RCFDG641, 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 | 12.79% | 12.79% | 14.03% | 8.49% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.12% | 13.12% | 14.37% | 8.90% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.93% | 12.93% | 14.18% | 8.62% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.37% | 13.37% | 14.62% | 8.40% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.30% | 13.30% | 14.55% | 8.10% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.85% | 13.85% | 15.10% | 8.97% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.72% | 13.72% | 14.97% | 9.01% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.82% | 13.82% | 15.07% | 7.80% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.80% | 13.80% | 15.05% | 9.14% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 14.66% | 14.66% | 15.91% | 9.56% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 14.79% | 14.79% | 16.04% | 9.45% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 14.82% | 14.82% | 16.07% | 8.99% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Habib American Bank (this bank) | Risk-based | 12.79% | 12.79% | 14.03% | 8.49% | |
| Medallion Bank | $2.83B | Risk-based | 13.12% | 16.80% | 18.08% | 16.92% |
| Armstrong Bank | $2.84B | Risk-based | 13.89% | 13.89% | 14.97% | 10.42% |
| American Momentum Bank | $2.85B | Risk-based | 24.90% | 24.90% | 26.06% | 19.24% |
| Lakeside Bank | $2.85B | Risk-based | 12.41% | 12.41% | 13.56% | 10.99% |
| ANB Bank | $2.85B | Risk-based | 14.59% | 14.59% | 15.43% | 9.52% |
| Emprise Bank | $2.82B | Risk-based | 10.22% | 10.22% | 11.43% | 7.69% |
| Chemung Canal Trust Company, N.A. | $2.82B | Risk-based | 13.84% | 13.84% | 14.96% | 11.38% |
| Industrial and Commercial Bank of China (USA), N.A. | $2.86B | Risk-based | 17.53% | 17.53% | 18.27% | 17.26% |
| Bank Independent | $2.86B | Risk-based | 13.22% | 13.22% | 14.42% | 9.82% |
| WebBank | $2.86B | Risk-based | 18.10% | 18.10% | 19.18% | 17.39% |
| Peer 25th percentile | 13.14% | 13.37% | 14.56% | 9.97% | ||
| Peer median | 13.86% | 14.24% | 15.20% | 11.19% | ||
| Peer 75th percentile | 16.80% | 17.35% | 18.22% | 17.17% | ||
| This bank's percentile | 20 | 20 | 20 | 10 |
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/245016/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.