Happen Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.83% (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: 8.83% (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 15.57% +9.07 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 | $1.32B | 1,315,687 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $8.45B | 8,452,041 | RCOAA223 |
| Recomputed ratio | 15.57% | numerator / denominator | |
| Filed ratio | 15.57% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.07 pp | $766.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.57% +7.57 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 | $1.32B | 1,315,687 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $8.45B | 8,452,041 | RCOAA223 |
| Recomputed ratio | 15.57% | numerator / denominator | |
| Filed ratio | 15.57% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.57 pp | $639.5M | capital that could be lost first |
Total risk-based capital ratio 16.83% +6.83 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 | $1.42B | 1,422,423 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $8.45B | 8,452,041 | RCOAA223 |
| Recomputed ratio | 16.83% | numerator / denominator | |
| Filed ratio | 16.83% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.83 pp | $577.2M | capital that could be lost first |
Tier 1 leverage ratio 10.98% +5.98 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 | $1.32B | 1,315,687 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $11.99B | 11,987,084 | RCOAA224 |
| Recomputed ratio | 10.98% | numerator / denominator | |
| Filed ratio | 10.98% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.98 pp | $716.3M | 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 | 988,498 | 969,364 | 953,338 | 941,014 | 942,303 | 922,030 | RCOAP742 |
| Retained earnings | 479,300 | 421,478 | 370,477 | 331,672 | 288,290 | 250,861 | RCOAKW00 |
| Accumulated other comprehensive income | (38,998) | (28,711) | (18,160) | (17,700) | (26,005) | (22,249) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,428,800 | 1,362,131 | 1,305,655 | 1,254,986 | 1,204,588 | 1,150,642 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (113,113) | (115,936) | (121,714) | (118,652) | (92,452) | (90,156) | P859 - P840 |
| Common equity Tier 1 capital | 1,315,687 | 1,246,195 | 1,183,941 | 1,136,334 | 1,112,136 | 1,060,486 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 1,315,687 | 1,246,195 | 1,183,941 | 1,136,334 | 1,112,136 | 1,060,486 | RCOA8274 |
| Tier 2 capital | 106,736 | 102,331 | 97,886 | 91,929 | 91,798 | 86,455 | RCOA5311 |
| Allowance includable in Tier 2 capital | 106,736 | 102,331 | 97,886 | 91,929 | 91,798 | 86,455 | RCOA5310 |
| Total capital | 1,422,423 | 1,348,526 | 1,281,827 | 1,228,263 | 1,203,934 | 1,146,941 | RCOA3792 |
| Total risk-weighted assets | 8,452,041 | 8,050,248 | 7,652,038 | 7,176,620 | 7,181,022 | 6,757,019 | RCOAA223 |
| Average total assets for the leverage ratio | 11,987,084 | 11,448,506 | 11,090,409 | 10,471,994 | 10,272,133 | 10,215,422 | 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 | $899.8M | $6.5M | 0.72% | 0.08% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $702.0M | $341.3M | 48.62% | 4.00% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $169.3M | $96.4M | 56.92% | 1.13% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $56.6M | $47.9M | 84.64% | 0.56% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $6.82B | $6.73B | 98.70% | 78.80% | RC-R Part II, item 4.d, 5.d |
| All other assets | $514.6M | $577.2M | 112.17% | 6.76% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $28.2M | $21.5M | 76.27% | 0.25% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $17.5M | $17.5M | 100.00% | 0.20% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $701.7M | NA | 8.22% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $7.84B | ties to item 31 ($7.84B) |
|---|---|---|
| Risk-weighted assets before deductions | $8.54B | RCONB704 |
| Less: excess allowance for credit losses | $86.8M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $8.45B | 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 | 15.57% | 15.57% | 16.83% | 10.98% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 15.48% | 15.48% | 16.75% | 10.89% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 15.47% | 15.47% | 16.75% | 10.68% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 15.83% | 15.83% | 17.11% | 10.85% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 15.49% | 15.49% | 16.77% | 10.83% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 15.69% | 15.69% | 16.97% | 10.38% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 16.14% | 16.14% | 17.42% | 10.30% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 14.52% | 14.52% | 15.80% | 10.31% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 15.54% | 15.54% | 16.81% | 10.55% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 15.36% | 15.36% | 16.64% | 10.95% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 15.77% | 15.77% | 17.06% | 11.39% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 15.15% | 15.15% | 16.45% | 11.85% | 12.66% | 12.67% | 13.78% | 9.78% |
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 |
|---|---|---|---|---|---|---|
| Happen Bank, N.A. (this bank) | Risk-based | 15.57% | 15.57% | 16.83% | 10.98% | |
| NBH Bank | $12.54B | Risk-based | 12.27% | 12.27% | 13.39% | 10.27% |
| The Park National Bank | $12.61B | Risk-based | 12.24% | 12.24% | 13.54% | 10.33% |
| PlainsCapital Bank | $12.68B | Risk-based | 12.50% | 12.50% | 13.47% | 9.73% |
| Dollar Bank, Federal Savings Bank | $12.70B | Risk-based | 15.38% | 15.38% | 16.45% | 11.05% |
| First Commonwealth Bank | $12.18B | Risk-based | 12.24% | 12.24% | 14.00% | 10.17% |
| Columbia Bank | $12.17B | Risk-based | 13.19% | 13.19% | 14.11% | 9.75% |
| BancFirst | $12.80B | Risk-based | 17.11% | 17.37% | 18.56% | 10.63% |
| Oriental Bank | $12.04B | Risk-based | 13.22% | 13.22% | 14.48% | 10.57% |
| Peer 25th percentile | 12.26% | 12.26% | 13.53% | 10.06% | ||
| Peer median | 12.85% | 12.85% | 14.05% | 10.30% | ||
| Peer 75th percentile | 13.76% | 13.76% | 14.97% | 10.59% | ||
| This bank's percentile | 88 | 88 | 88 | 88 |
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/264772/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.