Incrediblebank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.41% (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: 3.41% (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 10.32% +3.82 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 | $171.3M | 171,324 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.66B | 1,660,345 | RCOAA223 |
| Recomputed ratio | 10.32% | numerator / denominator | |
| Filed ratio | 10.32% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.82 pp | $63.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.32% +2.32 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 | $171.3M | 171,324 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.66B | 1,660,345 | RCOAA223 |
| Recomputed ratio | 10.32% | numerator / denominator | |
| Filed ratio | 10.32% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.32 pp | $38.5M | capital that could be lost first |
Total risk-based capital ratio 11.41% +1.41 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 | $189.4M | 189,442 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.66B | 1,660,345 | RCOAA223 |
| Recomputed ratio | 11.41% | numerator / denominator | |
| Filed ratio | 11.41% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.41 pp | $23.4M | capital that could be lost first |
Tier 1 leverage ratio 8.30% +3.30 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 | $171.3M | 171,324 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.06B | 2,063,458 | RCOAA224 |
| Recomputed ratio | 8.30% | numerator / denominator | |
| Filed ratio | 8.30% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.30 pp | $68.2M | 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 | 79,545 | 79,545 | 79,545 | 79,545 | 79,545 | 79,545 | RCOAP742 |
| Retained earnings | 107,307 | 104,579 | 101,560 | 98,269 | 96,034 | 93,992 | RCOAKW00 |
| Accumulated other comprehensive income | (24,641) | (26,155) | (24,418) | (26,997) | (31,607) | (32,614) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 162,211 | 157,969 | 156,687 | 150,817 | 143,972 | 140,923 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 9,113 | 10,627 | 8,890 | 11,469 | 16,079 | 17,086 | P859 - P840 |
| Common equity Tier 1 capital | 171,324 | 168,596 | 165,577 | 162,286 | 160,051 | 158,009 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 171,324 | 168,596 | 165,577 | 162,286 | 160,051 | 158,009 | RCOA8274 |
| Tier 2 capital | 18,118 | 17,763 | 15,851 | 16,600 | 15,724 | 15,704 | RCOA5311 |
| Allowance includable in Tier 2 capital | 18,118 | 17,763 | 15,851 | 16,600 | 15,724 | 15,704 | RCOA5310 |
| Total capital | 189,442 | 186,359 | 181,428 | 178,886 | 175,775 | 173,713 | RCOA3792 |
| Total risk-weighted assets | 1,660,345 | 1,600,668 | 1,599,687 | 1,548,071 | 1,604,642 | 1,588,596 | RCOAA223 |
| Average total assets for the leverage ratio | 2,063,458 | 2,058,926 | 2,031,919 | 2,033,781 | 2,033,030 | 2,010,933 | 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 | $49.8M | $6.9M | 13.93% | 0.42% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $364.4M | $62.3M | 17.09% | 3.75% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.8M | $361K | 20.00% | 0.02% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $300.1M | $150.0M | 50.00% | 9.04% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $13.1M | $19.6M | 150.00% | 1.18% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.29B | $1.26B | 97.79% | 75.80% | RC-R Part II, item 4.d, 5.d |
| All other assets | $107.1M | $111.1M | 103.68% | 6.69% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $54.1M | $48.0M | 88.72% | 2.89% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $4.7M | $2.2M | 47.50% | 0.13% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1.2M | NA | 0.07% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.66B | ties to item 31 ($1.66B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.66B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.66B | 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 | 10.32% | 10.32% | 11.41% | 8.30% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.53% | 10.53% | 11.64% | 8.19% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.35% | 10.35% | 11.34% | 8.15% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 10.48% | 10.48% | 11.56% | 7.98% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 9.97% | 9.97% | 10.95% | 7.87% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 9.95% | 9.95% | 10.94% | 7.86% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 9.86% | 9.86% | 11.05% | 7.91% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 9.78% | 9.78% | 10.96% | 7.76% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.03% | 10.03% | 11.03% | 7.93% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.15% | 10.15% | 11.21% | 7.90% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.18% | 10.18% | 11.21% | 8.12% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.53% | 10.53% | 11.40% | 8.22% | 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 |
|---|---|---|---|---|---|---|
| Incrediblebank (this bank) | Risk-based | 10.32% | 10.32% | 11.41% | 8.30% | |
| First Fed Bank | $2.11B | Risk-based | 12.40% | 12.40% | 13.44% | 9.64% |
| Starion Bank | $2.10B | Risk-based | 14.03% | 14.03% | 15.29% | 9.45% |
| Northeast Community Bank | $2.11B | Risk-based | 15.05% | 15.05% | 15.31% | 17.32% |
| Marquette Bank | $2.09B | Risk-based | 14.18% | 14.18% | 15.31% | 8.40% |
| The First National Bank in Sioux Falls | $2.12B | Risk-based | 13.96% | 13.96% | 15.21% | 10.34% |
| Kish Bank | $2.08B | Risk-based | 10.08% | 10.08% | 10.87% | 8.92% |
| Opportunity Bank of Montana | $2.12B | Risk-based | 13.10% | 13.10% | 14.23% | 10.93% |
| Peoples National Bank, N.A. | $2.08B | Risk-based | 9.75% | 9.75% | 10.93% | 9.26% |
| Peer 25th percentile | 11.82% | 11.82% | 12.82% | 9.18% | ||
| Peer median | 13.53% | 13.53% | 14.72% | 9.54% | ||
| Peer 75th percentile | 14.07% | 14.07% | 15.29% | 10.48% | ||
| This bank's percentile | 25 | 25 | 25 | 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/163549/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.