Inwood National Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.98% (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: 8.98% (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 16.18% +9.68 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 | $465.2M | 465,233 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.88B | 2,875,861 | RCOAA223 |
| Recomputed ratio | 16.18% | numerator / denominator | |
| Filed ratio | 16.18% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.68 pp | $278.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.18% +8.18 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 | $465.2M | 465,233 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.88B | 2,875,861 | RCOAA223 |
| Recomputed ratio | 16.18% | numerator / denominator | |
| Filed ratio | 16.18% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.18 pp | $235.2M | capital that could be lost first |
Total risk-based capital ratio 16.98% +6.98 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 | $488.3M | 488,268 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.88B | 2,875,861 | RCOAA223 |
| Recomputed ratio | 16.98% | numerator / denominator | |
| Filed ratio | 16.98% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.98 pp | $200.7M | capital that could be lost first |
Tier 1 leverage ratio 10.79% +5.79 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 | $465.2M | 465,233 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $4.31B | 4,310,069 | RCOAA224 |
| Recomputed ratio | 10.79% | numerator / denominator | |
| Filed ratio | 10.79% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.79 pp | $249.7M | 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 | 48,088 | 48,088 | 48,088 | 48,088 | 48,088 | 48,088 | RCOAP742 |
| Retained earnings | 447,629 | 444,282 | 435,040 | 421,688 | 412,827 | 413,302 | 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 | 495,717 | 492,370 | 483,128 | 469,776 | 460,915 | 461,390 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (30,484) | (30,484) | (30,484) | (30,484) | (30,484) | (30,484) | P859 - P840 |
| Common equity Tier 1 capital | 465,233 | 461,886 | 452,644 | 439,292 | 430,431 | 430,906 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 465,233 | 461,886 | 452,644 | 439,292 | 430,431 | 430,906 | RCOA8274 |
| Tier 2 capital | 23,035 | 23,165 | 22,745 | 22,824 | 22,866 | 22,814 | RCOA5311 |
| Allowance includable in Tier 2 capital | 23,035 | 23,165 | 22,745 | 22,824 | 22,866 | 22,814 | RCOA5310 |
| Total capital | 488,268 | 485,051 | 475,389 | 462,116 | 453,297 | 453,720 | RCOA3792 |
| Total risk-weighted assets | 2,875,861 | 2,900,601 | 2,997,992 | 2,852,804 | 2,861,688 | 2,848,359 | RCOAA223 |
| Average total assets for the leverage ratio | 4,310,069 | 4,391,722 | 4,454,428 | 4,362,915 | 4,236,886 | 4,398,959 | 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 | $425.2M | $11.3M | 2.67% | 0.39% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.29B | $237.8M | 18.43% | 8.27% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $89.0M | $0 | 0.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $359.6M | $181.9M | 50.59% | 6.33% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $35.7M | $53.5M | 150.00% | 1.86% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $9.1M | $13.7M | 150.00% | 0.48% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.08B | $2.06B | 99.20% | 71.65% | RC-R Part II, item 4.d, 5.d |
| All other assets | $54.0M | $46.7M | 86.53% | 1.62% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $275.0M | $270.3M | 98.26% | 9.40% | 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 | $2.88B | ties to item 31 ($2.88B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.88B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.88B | 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 | 16.18% | 16.18% | 16.98% | 10.79% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 15.92% | 15.92% | 16.72% | 10.52% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 15.10% | 15.10% | 15.86% | 10.16% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 15.40% | 15.40% | 16.20% | 10.07% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 15.04% | 15.04% | 15.84% | 10.16% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 15.13% | 15.13% | 15.93% | 9.80% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.52% | 14.52% | 15.30% | 9.24% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.86% | 13.86% | 14.62% | 9.04% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.72% | 13.72% | 14.49% | 9.18% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.65% | 13.65% | 14.43% | 9.43% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.55% | 13.55% | 14.32% | 9.28% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.24% | 13.24% | 14.00% | 9.24% | 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 |
|---|---|---|---|---|---|---|
| Inwood National Bank (this bank) | Risk-based | 16.18% | 16.18% | 16.98% | 10.79% | |
| Royal Business Bank | $4.27B | Risk-based | 19.68% | 19.68% | 20.93% | 12.54% |
| The First Bank and Trust Company | $4.28B | Risk-based | 12.58% | 12.58% | 13.83% | 10.07% |
| Civista Bank | $4.29B | Risk-based | 16.39% | 16.39% | 17.64% | 12.71% |
| The Bank of Missouri | $4.23B | Risk-based | 10.30% | 10.30% | 11.23% | 9.15% |
| National Cooperative Bank, N.A. | $4.33B | Risk-based | 14.05% | 14.05% | 14.99% | 11.28% |
| Primis Bank | $4.34B | Risk-based | 10.63% | 10.63% | 11.88% | 9.51% |
| Texas Bank and Trust Company | $4.34B | Risk-based | 15.85% | 15.85% | 17.10% | 13.10% |
| Bessemer Trust Company, N.A. | $4.16B | Risk-based | 23.20% | 23.20% | 23.20% | 7.62% |
| United Community Bank | $4.13B | Risk-based | 13.70% | 13.70% | 14.87% | 10.17% |
| Woori America Bank | $4.12B | Risk-based | 18.34% | 18.34% | 19.60% | 12.78% |
| Peer 25th percentile | 12.86% | 12.86% | 14.09% | 9.65% | ||
| Peer median | 14.95% | 14.95% | 16.05% | 10.73% | ||
| Peer 75th percentile | 17.85% | 17.85% | 19.11% | 12.67% | ||
| This bank's percentile | 60 | 60 | 50 | 50 |
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/913753/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.