Haddon Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.99% (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: 4.99% (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 12.44% +5.94 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 | $34.4M | 34,413 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $276.7M | 276,663 | RCOAA223 |
| Recomputed ratio | 12.44% | numerator / denominator | |
| Filed ratio | 12.44% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.94 pp | $16.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.44% +4.44 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 | $34.4M | 34,413 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $276.7M | 276,663 | RCOAA223 |
| Recomputed ratio | 12.44% | numerator / denominator | |
| Filed ratio | 12.44% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.44 pp | $12.3M | capital that could be lost first |
Total risk-based capital ratio 12.99% +2.99 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 | $36.0M | 35,950 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $276.7M | 276,663 | RCOAA223 |
| Recomputed ratio | 12.99% | numerator / denominator | |
| Filed ratio | 12.99% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.99 pp | $8.3M | capital that could be lost first |
Tier 1 leverage ratio 8.28% +3.28 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 | $34.4M | 34,413 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $415.7M | 415,707 | RCOAA224 |
| Recomputed ratio | 8.28% | numerator / denominator | |
| Filed ratio | 8.28% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.28 pp | $13.6M | 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 | 34,413 | 34,473 | 34,610 | 34,845 | 34,895 | 35,113 | RCOAKW00 |
| Accumulated other comprehensive income | (10,250) | (10,142) | (9,900) | (11,139) | (12,115) | (12,898) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 24,163 | 24,331 | 24,710 | 23,706 | 22,780 | 22,215 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 10,250 | 10,142 | 9,900 | 11,139 | 12,115 | 12,898 | P859 - P840 |
| Common equity Tier 1 capital | 34,413 | 34,473 | 34,610 | 34,845 | 34,895 | 35,113 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 34,413 | 34,473 | 34,610 | 34,845 | 34,895 | 35,113 | RCOA8274 |
| Tier 2 capital | 1,537 | 1,507 | 1,469 | 1,415 | 1,433 | 1,441 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,537 | 1,507 | 1,469 | 1,415 | 1,433 | 1,441 | RCOA5310 |
| Total capital | 35,950 | 35,980 | 36,079 | 36,260 | 36,328 | 36,554 | RCOA3792 |
| Total risk-weighted assets | 276,663 | 257,833 | 254,712 | 244,372 | 243,758 | 246,791 | RCOAA223 |
| Average total assets for the leverage ratio | 415,707 | 402,641 | 399,506 | 397,588 | 396,728 | 396,450 | 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 | $23.2M | $2.7M | 11.79% | 0.99% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $124.3M | $28.9M | 23.23% | 10.44% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $151.4M | $92.3M | 60.94% | 33.36% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $157K | $236K | 150.00% | 0.09% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $114.9M | $114.2M | 99.46% | 41.29% | RC-R Part II, item 4.d, 5.d |
| All other assets | $21.4M | $19.6M | 91.29% | 7.07% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $16.5M | $16.5M | 100.00% | 5.97% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $2.2M | NA | 0.80% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $274.4M | does not tie to item 31 ($274.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $276.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $276.7M | 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 | 12.44% | 12.44% | 12.99% | 8.28% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.37% | 13.37% | 13.95% | 8.56% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.59% | 13.59% | 14.16% | 8.66% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.26% | 14.26% | 14.84% | 8.76% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.32% | 14.32% | 14.90% | 8.80% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.23% | 14.23% | 14.81% | 8.86% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.10% | 15.10% | 15.67% | 8.93% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.77% | 15.77% | 16.30% | 9.31% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 16.45% | 16.45% | 16.97% | 9.73% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 17.46% | 17.46% | 17.99% | 9.94% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 17.81% | 17.81% | 18.36% | 10.10% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 18.08% | 18.08% | 18.67% | 10.02% | 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 |
|---|---|---|---|---|---|---|
| Haddon Savings Bank (this bank) | Risk-based | 12.44% | 12.44% | 12.99% | 8.28% | |
| The First National Bank of Allendale | $421.2M | CBLR | NA | NA | NA | 9.80% |
| Union National Bank | $421.8M | Risk-based | 17.69% | 17.69% | 18.94% | 9.85% |
| The Bank of Brodhead | $421.9M | CBLR | NA | NA | NA | 9.20% |
| First Federal Savings Bank | $421.9M | CBLR | NA | NA | NA | 10.69% |
| Cattle Bank & Trust | $421.9M | CBLR | NA | NA | NA | 12.87% |
| Pacific West Bank | $420.7M | CBLR | NA | NA | NA | 9.14% |
| Great Oaks Bank | $422.0M | Risk-based | 13.78% | 13.78% | 15.03% | 10.25% |
| The Citizens Bank of Swainsboro | $420.5M | Risk-based | 18.92% | 18.92% | 20.18% | 12.29% |
| MY Kind of Bank, N.A. | $422.6M | Risk-based | 11.89% | 11.89% | 13.04% | 9.03% |
| Cumberland Security Bank, Inc. | $420.1M | Risk-based | 17.65% | 17.65% | 18.92% | 14.14% |
| Peer 25th percentile | 13.78% | 13.78% | 15.03% | 9.35% | ||
| Peer median | 17.65% | 17.65% | 18.92% | 10.05% | ||
| Peer 75th percentile | 17.69% | 17.69% | 18.94% | 11.89% | ||
| This bank's percentile | 20 | 20 | 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/1008076/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.