Honor Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.60% (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: 4.60% (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 11.35% +4.85 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 | $41.5M | 41,452 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $365.2M | 365,240 | RCOAA223 |
| Recomputed ratio | 11.35% | numerator / denominator | |
| Filed ratio | 11.35% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.85 pp | $17.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.35% +3.35 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 | $41.5M | 41,452 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $365.2M | 365,240 | RCOAA223 |
| Recomputed ratio | 11.35% | numerator / denominator | |
| Filed ratio | 11.35% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.35 pp | $12.2M | capital that could be lost first |
Total risk-based capital ratio 12.60% +2.60 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 | $46.0M | 46,030 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $365.2M | 365,240 | RCOAA223 |
| Recomputed ratio | 12.60% | numerator / denominator | |
| Filed ratio | 12.60% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.60 pp | $9.5M | capital that could be lost first |
Tier 1 leverage ratio 9.77% +4.77 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 | $41.5M | 41,452 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $424.1M | 424,145 | RCOAA224 |
| Recomputed ratio | 9.77% | numerator / denominator | |
| Filed ratio | 9.77% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.77 pp | $20.2M | 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 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | RCOAP742 |
| Retained earnings | 21,452 | 21,090 | 20,102 | 20,496 | 19,494 | 18,482 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 41,452 | 41,090 | 40,102 | 40,496 | 39,494 | 38,482 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 0 | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 41,452 | 41,090 | 40,102 | 40,496 | 39,494 | 38,482 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 41,452 | 41,090 | 40,102 | 40,496 | 39,494 | 38,482 | RCOA8274 |
| Tier 2 capital | 4,578 | 4,201 | 4,230 | 4,281 | 4,204 | 4,118 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,578 | 4,201 | 4,230 | 4,281 | 4,204 | 4,118 | RCOA5310 |
| Total capital | 46,030 | 45,291 | 44,332 | 44,777 | 43,698 | 42,600 | RCOA3792 |
| Total risk-weighted assets | 365,240 | 334,838 | 337,051 | 342,091 | 336,010 | 329,101 | RCOAA223 |
| Average total assets for the leverage ratio | 424,145 | 417,185 | 430,610 | 426,682 | 415,505 | 412,105 | 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 | $15.8M | $912K | 5.76% | 0.25% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $39.1M | $11.1M | 28.28% | 3.02% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $12.1M | $2.4M | 20.00% | 0.66% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $115.9M | $69.4M | 59.94% | 18.96% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $597K | $896K | 150.00% | 0.24% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $242.9M | $242.7M | 99.92% | 66.27% | RC-R Part II, item 4.d, 5.d |
| All other assets | $21.5M | $23.2M | 107.69% | 6.32% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $16.9M | $15.6M | 92.46% | 4.27% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $700 | 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 | $366.3M | ties to item 31 ($366.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $366.3M | RCONB704 |
| Less: excess allowance for credit losses | $1.0M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $365.2M | 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 | 11.35% | 11.35% | 12.60% | 9.77% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.27% | 12.27% | 13.53% | 9.85% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.90% | 11.90% | 13.15% | 9.31% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.84% | 11.84% | 13.09% | 9.49% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.75% | 11.75% | 13.01% | 9.51% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.69% | 11.69% | 12.94% | 9.34% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.41% | 11.41% | 12.66% | 8.96% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.15% | 11.15% | 12.40% | 8.84% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.04% | 11.04% | 12.30% | 9.13% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.41% | 11.41% | 12.66% | 9.16% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.58% | 11.58% | 12.83% | 9.13% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.49% | 11.49% | 12.74% | 8.79% | 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 |
|---|---|---|---|---|---|---|
| Honor Bank (this bank) | Risk-based | 11.35% | 11.35% | 12.60% | 9.77% | |
| Broadstreet Bank, SSB | $442.8M | CBLR | NA | NA | NA | 12.13% |
| The Citizens State Bank | $442.4M | CBLR | NA | NA | NA | 9.76% |
| Grand Ridge National Bank | $443.3M | CBLR | NA | NA | NA | 13.77% |
| Community Bank Delaware | $443.6M | Risk-based | 11.88% | 11.88% | 12.98% | 8.58% |
| Community State Bank | $441.9M | CBLR | NA | NA | NA | 9.41% |
| West Texas State Bank | $443.7M | CBLR | NA | NA | NA | 10.49% |
| James Polk Stone Community Bank | $443.8M | CBLR | NA | NA | NA | 9.98% |
| Noblebank & Trust | $444.0M | CBLR | NA | NA | NA | 11.32% |
| Glennville Bank | $444.2M | Risk-based | 21.74% | 21.74% | 23.00% | 11.02% |
| First Jackson Bank | $444.3M | CBLR | NA | NA | NA | 14.78% |
| Peer 25th percentile | 14.35% | 14.35% | 15.49% | 9.82% | ||
| Peer median | 16.81% | 16.81% | 17.99% | 10.76% | ||
| Peer 75th percentile | 19.28% | 19.28% | 20.50% | 11.93% | ||
| This bank's percentile | 0 | 0 | 0 | 30 |
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/815147/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.