Integrity Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 18.34% (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: 18.34% (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 25.46% +18.96 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 | $10.4M | 10,430 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $41.0M | 40,961 | RCOAA223 |
| Recomputed ratio | 25.46% | numerator / denominator | |
| Filed ratio | 25.46% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +18.96 pp | $7.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 25.46% +17.46 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 | $10.4M | 10,430 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $41.0M | 40,961 | RCOAA223 |
| Recomputed ratio | 25.46% | numerator / denominator | |
| Filed ratio | 25.46% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +17.46 pp | $7.2M | capital that could be lost first |
Total risk-based capital ratio 26.34% +16.34 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 | $10.8M | 10,789 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $41.0M | 40,961 | RCOAA223 |
| Recomputed ratio | 26.34% | numerator / denominator | |
| Filed ratio | 26.34% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +16.34 pp | $6.7M | capital that could be lost first |
Tier 1 leverage ratio 10.33% +5.33 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 | $10.4M | 10,430 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $100.9M | 100,934 | RCOAA224 |
| Recomputed ratio | 10.33% | numerator / denominator | |
| Filed ratio | 10.33% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.33 pp | $5.4M | 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 | 1,050 | 1,050 | 1,050 | 1,050 | 1,050 | 1,050 | RCOAP742 |
| Retained earnings | 9,380 | 9,030 | 9,008 | 8,745 | 8,433 | 8,312 | RCOAKW00 |
| Accumulated other comprehensive income | (1,234) | (1,327) | (786) | (954) | (1,395) | (1,696) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 9,196 | 8,753 | 9,272 | 8,841 | 8,088 | 7,666 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,234 | 1,327 | 786 | 954 | 1,395 | 1,641 | P859 - P840 |
| Common equity Tier 1 capital | 10,430 | 10,080 | 10,058 | 9,795 | 9,483 | 9,307 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 10,430 | 10,080 | 10,058 | 9,795 | 9,483 | 9,307 | RCOA8274 |
| Tier 2 capital | 359 | 349 | 346 | 378 | 378 | 378 | RCOA5311 |
| Allowance includable in Tier 2 capital | 359 | 349 | 346 | 378 | 378 | 378 | RCOA5310 |
| Total capital | 10,789 | 10,429 | 10,404 | 10,173 | 9,861 | 9,685 | RCOA3792 |
| Total risk-weighted assets | 40,961 | 41,925 | 42,676 | 42,367 | 38,583 | 39,218 | RCOAA223 |
| Average total assets for the leverage ratio | 100,934 | 100,077 | 90,992 | 87,807 | 85,659 | 88,404 | 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 | $2.7M | $203K | 7.66% | 0.50% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $62.2M | $4.3M | 6.87% | 10.43% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $2.2M | $1.1M | 50.00% | 2.64% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $30.6M | $30.6M | 100.00% | 74.69% | RC-R Part II, item 4.d, 5.d |
| All other assets | $3.7M | $3.7M | 100.00% | 9.09% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $3.7M | $1.1M | 29.53% | 2.65% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $41.0M | ties to item 31 ($41.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $41.0M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $41.0M | 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 | 25.46% | 25.46% | 26.34% | 10.33% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | Risk-based | 24.04% | 24.04% | 24.88% | 10.07% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | Risk-based | 23.57% | 23.57% | 24.38% | 11.05% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | Risk-based | 23.12% | 23.12% | 24.01% | 11.16% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | Risk-based | 24.58% | 24.58% | 25.56% | 11.07% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | Risk-based | 23.73% | 23.73% | 24.70% | 10.53% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | Risk-based | 24.35% | 24.35% | 25.37% | 10.59% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | Risk-based | 22.47% | 22.47% | 23.44% | 10.73% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | Risk-based | 20.99% | 20.99% | 21.89% | 11.60% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | 23.37% | 23.37% | 24.39% | 12.55% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | 20.59% | 20.59% | 21.50% | 11.82% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | Risk-based | 22.70% | 22.70% | 23.70% | 11.69% | 20.70% | 20.70% | 21.86% | 12.73% |
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 |
|---|---|---|---|---|---|---|
| Integrity Bank (this bank) | Risk-based | 25.46% | 25.46% | 26.34% | 10.33% | |
| Bank of Calhoun County | $99.5M | Risk-based | 18.74% | 18.74% | 19.30% | 9.72% |
| Peoples First Savings Bank | $99.9M | Risk-based | 14.46% | 14.46% | 15.36% | 10.01% |
| Currie State Bank | $99.9M | CBLR | NA | NA | NA | 10.69% |
| Janesville State Bank | $98.8M | CBLR | NA | NA | NA | 11.44% |
| Superior Savings Bank | $98.8M | CBLR | NA | NA | NA | 16.30% |
| Peoples Exchange Bank | $98.6M | CBLR | NA | NA | NA | 13.46% |
| Citizens Bank and Trust Company | $98.6M | Risk-based | 16.95% | 16.95% | 18.21% | 14.00% |
| Bank of Walker County | $98.5M | CBLR | NA | NA | NA | 11.24% |
| Investors Community Bank | $98.5M | CBLR | NA | NA | NA | 11.13% |
| BANK419 | $98.3M | Risk-based | 13.61% | 13.61% | 14.86% | 9.27% |
| Peer 25th percentile | 14.25% | 14.25% | 15.24% | 10.18% | ||
| Peer median | 15.71% | 15.71% | 16.79% | 11.18% | ||
| Peer 75th percentile | 17.40% | 17.40% | 18.48% | 12.96% | ||
| This bank's percentile | 100 | 100 | 100 | 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/843953/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.