Inbank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.40% (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: 7.40% (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 14.15% +7.65 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 | $153.2M | 153,193 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.08B | 1,082,849 | RCOAA223 |
| Recomputed ratio | 14.15% | numerator / denominator | |
| Filed ratio | 14.15% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.65 pp | $82.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.15% +6.15 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 | $153.2M | 153,193 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.08B | 1,082,849 | RCOAA223 |
| Recomputed ratio | 14.15% | numerator / denominator | |
| Filed ratio | 14.15% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.15 pp | $66.6M | capital that could be lost first |
Total risk-based capital ratio 15.40% +5.40 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 | $166.8M | 166,760 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.08B | 1,082,849 | RCOAA223 |
| Recomputed ratio | 15.40% | numerator / denominator | |
| Filed ratio | 15.40% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.40 pp | $58.5M | capital that could be lost first |
Tier 1 leverage ratio 11.46% +6.46 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 | $153.2M | 153,193 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.34B | 1,337,261 | RCOAA224 |
| Recomputed ratio | 11.46% | numerator / denominator | |
| Filed ratio | 11.46% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.46 pp | $86.3M | 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 | 131,459 | 131,241 | 131,052 | 130,813 | 130,597 | 130,335 | RCOAP742 |
| Retained earnings | 42,694 | 39,651 | 36,403 | 37,523 | 35,622 | 33,154 | RCOAKW00 |
| Accumulated other comprehensive income | (3,245) | (3,222) | (3,081) | (3,396) | (4,416) | (4,688) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 170,908 | 167,670 | 164,374 | 164,940 | 161,803 | 158,801 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (17,715) | (17,941) | (18,300) | (18,699) | (17,920) | (17,935) | P859 - P840 |
| Common equity Tier 1 capital | 153,193 | 149,729 | 146,074 | 146,241 | 143,883 | 140,866 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 153,193 | 149,729 | 146,074 | 146,241 | 143,883 | 140,866 | RCOA8274 |
| Tier 2 capital | 13,567 | 13,686 | 14,223 | 14,560 | 13,775 | 13,465 | RCOA5311 |
| Allowance includable in Tier 2 capital | 13,567 | 13,686 | 14,223 | 14,560 | 13,775 | 13,465 | RCOA5310 |
| Total capital | 166,760 | 163,415 | 160,297 | 160,801 | 157,658 | 154,331 | RCOA3792 |
| Total risk-weighted assets | 1,082,849 | 1,092,424 | 1,135,570 | 1,163,679 | 1,112,645 | 1,103,181 | RCOAA223 |
| Average total assets for the leverage ratio | 1,337,261 | 1,362,068 | 1,407,708 | 1,364,989 | 1,358,468 | 1,316,442 | 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 | $101.0M | $7.4M | 7.37% | 0.69% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $262.1M | $69.2M | 26.41% | 6.38% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $62.8M | $42.1M | 67.04% | 3.88% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $12.4M | $12.6M | 102.09% | 1.16% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $867.5M | $838.8M | 96.70% | 77.29% | RC-R Part II, item 4.d, 5.d |
| All other assets | $41.8M | $38.8M | 92.82% | 3.58% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $73.9M | $73.9M | 100.00% | 6.81% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $3.3M | $2.4M | 72.20% | 0.22% | RC-R Part II, item 20, 21 |
| 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 | $1.09B | ties to item 31 ($1.09B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.09B | RCONB704 |
| Less: excess allowance for credit losses | $2.5M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.08B | 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 | 14.15% | 14.15% | 15.40% | 11.46% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.71% | 13.71% | 14.96% | 10.99% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.86% | 12.86% | 14.12% | 10.38% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.57% | 12.57% | 13.82% | 10.71% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.93% | 12.93% | 14.17% | 10.59% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.77% | 12.77% | 13.99% | 10.70% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.61% | 12.61% | 13.79% | 10.60% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.11% | 12.11% | 13.33% | 10.28% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.80% | 11.80% | 12.98% | 10.41% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.90% | 11.90% | 13.04% | 10.02% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.85% | 11.85% | 12.93% | 10.20% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.50% | 11.50% | 12.54% | 10.03% | 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 |
|---|---|---|---|---|---|---|
| Inbank (this bank) | Risk-based | 14.15% | 14.15% | 15.40% | 11.46% | |
| Coastal Carolina National Bank | $1.35B | Risk-based | 12.99% | 12.99% | 14.21% | 9.38% |
| Sabine State Bank and Trust Company | $1.35B | Risk-based | 10.54% | 10.54% | 11.36% | 8.28% |
| First State Bank | $1.35B | CBLR | NA | NA | NA | 10.01% |
| Townbridge Bank | $1.35B | Risk-based | 11.20% | 13.62% | 14.55% | 8.83% |
| Blue SKY Bank | $1.35B | CBLR | NA | NA | NA | 9.08% |
| Fortis Bank | $1.35B | Risk-based | 12.04% | 12.04% | 13.13% | 8.96% |
| Bank Midwest | $1.35B | Risk-based | 11.95% | 11.95% | 13.12% | 10.16% |
| Studio Bank | $1.34B | Risk-based | 11.45% | 11.45% | 12.63% | 9.49% |
| Capra Bank | $1.34B | Risk-based | 15.62% | 15.62% | 16.41% | 8.91% |
| Idaho First Bank | $1.36B | Risk-based | 14.00% | 14.00% | 15.17% | 10.47% |
| Peer 25th percentile | 11.39% | 11.82% | 13.00% | 8.92% | ||
| Peer median | 11.99% | 12.51% | 13.67% | 9.23% | ||
| Peer 75th percentile | 13.24% | 13.71% | 14.70% | 9.88% | ||
| This bank's percentile | 88 | 88 | 88 | 100 |
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/209858/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.