Holcomb Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.83% (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: 4.83% (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 11.58% +5.08 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 | $27.7M | 27,725 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $239.5M | 239,497 | RCOAA223 |
| Recomputed ratio | 11.58% | numerator / denominator | |
| Filed ratio | 11.58% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.08 pp | $12.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.58% +3.58 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 | $27.7M | 27,725 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $239.5M | 239,497 | RCOAA223 |
| Recomputed ratio | 11.58% | numerator / denominator | |
| Filed ratio | 11.58% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.58 pp | $8.6M | capital that could be lost first |
Total risk-based capital ratio 12.83% +2.83 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 | $30.7M | 30,719 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $239.5M | 239,497 | RCOAA223 |
| Recomputed ratio | 12.83% | numerator / denominator | |
| Filed ratio | 12.83% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.83 pp | $6.8M | capital that could be lost first |
Tier 1 leverage ratio 8.84% +3.84 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 | $27.7M | 27,725 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $313.5M | 313,483 | RCOAA224 |
| Recomputed ratio | 8.84% | numerator / denominator | |
| Filed ratio | 8.84% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.84 pp | $12.1M | 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 | 7,000 | 7,000 | 7,000 | 7,000 | 7,000 | 7,000 | RCOAP742 |
| Retained earnings | 20,725 | 20,952 | 20,008 | 19,937 | 20,425 | 19,943 | RCOAKW00 |
| Accumulated other comprehensive income | (5,131) | (5,103) | (5,322) | (5,966) | (7,391) | (7,190) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 22,594 | 22,849 | 21,686 | 20,971 | 20,034 | 19,753 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,131 | 5,103 | 5,322 | 5,966 | 7,391 | 7,190 | P859 - P840 |
| Common equity Tier 1 capital | 27,725 | 27,952 | 27,008 | 26,937 | 27,425 | 26,943 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 27,725 | 27,952 | 27,008 | 26,937 | 27,425 | 26,943 | RCOA8274 |
| Tier 2 capital | 2,994 | 3,019 | 2,945 | 2,985 | 2,775 | 2,813 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,994 | 3,019 | 2,945 | 2,985 | 2,775 | 2,813 | RCOA5310 |
| Total capital | 30,719 | 30,971 | 29,953 | 29,922 | 30,200 | 29,756 | RCOA3792 |
| Total risk-weighted assets | 239,497 | 245,546 | 245,187 | 241,496 | 236,477 | 233,973 | RCOAA223 |
| Average total assets for the leverage ratio | 313,483 | 318,678 | 309,668 | 305,133 | 306,043 | 309,387 | 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 | $10.8M | $1.5M | 14.19% | 0.64% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $61.5M | $18.2M | 29.54% | 7.59% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $77.2M | $48.8M | 63.17% | 20.36% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $72K | $108K | 150.00% | 0.05% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $154.2M | $154.2M | 100.00% | 64.39% | RC-R Part II, item 4.d, 5.d |
| All other assets | $9.1M | $8.2M | 89.49% | 3.41% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $8.5M | $8.5M | 100.00% | 3.57% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $300 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $239.5M | ties to item 31 ($239.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $239.5M | RCONB704 |
| Less: excess allowance for credit losses | $35K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $239.5M | 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 | 11.58% | 11.58% | 12.83% | 8.84% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.38% | 11.38% | 12.61% | 8.77% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.02% | 11.02% | 12.22% | 8.72% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.15% | 11.15% | 12.39% | 8.83% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.60% | 11.60% | 12.77% | 8.96% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.52% | 11.52% | 12.72% | 8.71% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.51% | 11.51% | 12.72% | 8.61% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.58% | 11.58% | 12.79% | 8.44% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.20% | 11.20% | 12.34% | 8.10% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.30% | 11.30% | 12.42% | 7.95% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.09% | 11.09% | 12.20% | 7.98% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.20% | 11.20% | 12.27% | 8.44% | 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 |
|---|---|---|---|---|---|---|
| Holcomb Bank (this bank) | Risk-based | 11.58% | 11.58% | 12.83% | 8.84% | |
| Savings Bank | $304.8M | CBLR | NA | NA | NA | 13.60% |
| The Claxton Bank | $304.8M | Risk-based | 15.39% | 15.39% | 16.65% | 12.60% |
| The Farmers Bank of Milton | $305.1M | Risk-based | 19.43% | 19.43% | 20.24% | 12.57% |
| Century Bank of the Ozarks | $305.3M | CBLR | NA | NA | NA | 8.84% |
| Global Bank | $304.2M | CBLR | NA | NA | NA | 12.11% |
| Security Bank Midwest | $304.1M | CBLR | NA | NA | NA | 10.52% |
| Valley Bank of Commerce | $304.1M | Risk-based | 23.30% | 23.30% | 24.56% | 14.47% |
| First Secure State Bank | $305.6M | Risk-based | 17.48% | 17.48% | 18.53% | 13.03% |
| Bank Irvine | $305.6M | CBLR | NA | NA | NA | 22.76% |
| Peer 25th percentile | 16.96% | 16.96% | 18.06% | 12.11% | ||
| Peer median | 18.46% | 18.46% | 19.39% | 12.60% | ||
| Peer 75th percentile | 20.40% | 20.40% | 21.32% | 13.60% | ||
| This bank's percentile | 0 | 0 | 0 | 11 |
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/568135/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.