Lake Ridge Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.02% (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: 5.02% (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 11.97% +5.47 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 | $326.8M | 326,848 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.73B | 2,730,493 | RCOAA223 |
| Recomputed ratio | 11.97% | numerator / denominator | |
| Filed ratio | 11.97% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.47 pp | $149.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.97% +3.97 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 | $326.8M | 326,848 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.73B | 2,730,493 | RCOAA223 |
| Recomputed ratio | 11.97% | numerator / denominator | |
| Filed ratio | 11.97% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.97 pp | $108.4M | capital that could be lost first |
Total risk-based capital ratio 13.02% +3.02 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 | $355.5M | 355,492 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.73B | 2,730,493 | RCOAA223 |
| Recomputed ratio | 13.02% | numerator / denominator | |
| Filed ratio | 13.02% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.02 pp | $82.4M | capital that could be lost first |
Tier 1 leverage ratio 9.95% +4.95 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 | $326.8M | 326,848 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.28B | 3,284,873 | RCOAA224 |
| Recomputed ratio | 9.95% | numerator / denominator | |
| Filed ratio | 9.95% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.95 pp | $162.6M | 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 | 209,957 | 209,957 | 209,957 | 209,957 | 209,957 | 209,957 | RCOAP742 |
| Retained earnings | 158,335 | 149,818 | 144,958 | 140,608 | 135,100 | 130,045 | RCOAKW00 |
| Accumulated other comprehensive income | (17,602) | (18,998) | (15,467) | (17,980) | (22,276) | (24,334) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 350,690 | 340,777 | 339,448 | 332,585 | 322,781 | 315,668 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (23,842) | (23,682) | (28,489) | (27,173) | (24,113) | (23,292) | P859 - P840 |
| Common equity Tier 1 capital | 326,848 | 317,095 | 310,959 | 305,412 | 298,668 | 292,376 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 326,848 | 317,095 | 310,959 | 305,412 | 298,668 | 292,376 | RCOA8274 |
| Tier 2 capital | 28,644 | 27,861 | 27,238 | 26,877 | 26,472 | 26,023 | RCOA5311 |
| Allowance includable in Tier 2 capital | 28,644 | 27,861 | 27,238 | 26,877 | 26,472 | 26,023 | RCOA5310 |
| Total capital | 355,492 | 344,956 | 338,197 | 332,289 | 325,140 | 318,399 | RCOA3792 |
| Total risk-weighted assets | 2,730,493 | 2,753,623 | 2,670,467 | 2,653,954 | 2,641,165 | 2,624,816 | RCOAA223 |
| Average total assets for the leverage ratio | 3,284,873 | 3,288,971 | 3,184,892 | 3,111,617 | 3,049,147 | 3,104,556 | 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 | $161.9M | $7.3M | 4.53% | 0.27% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $505.7M | $96.9M | 19.17% | 3.55% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $61.5M | $12.3M | 20.00% | 0.45% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $516.3M | $284.1M | 55.03% | 10.41% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $9.3M | $14.0M | 150.00% | 0.51% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $5.3M | $7.9M | 150.00% | 0.29% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.92B | $1.91B | 99.42% | 69.95% | RC-R Part II, item 4.d, 5.d |
| All other assets | $171.7M | $174.5M | 101.64% | 6.39% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $2.8M | $35.2M | 1250.00% | 1.29% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $185.3M | $185.3M | 100.00% | 6.79% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $3.0M | NA | 0.11% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.73B | ties to item 31 ($2.73B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.73B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.73B | 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 | 11.97% | 11.97% | 13.02% | 9.95% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.52% | 11.52% | 12.53% | 9.64% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.64% | 11.64% | 12.66% | 9.76% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.51% | 11.51% | 12.52% | 9.82% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.31% | 11.31% | 12.31% | 9.80% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.14% | 11.14% | 12.13% | 9.42% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 10.91% | 10.91% | 11.88% | 9.45% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.68% | 10.68% | 11.67% | 9.49% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.59% | 10.59% | 11.58% | 9.36% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.44% | 10.44% | 11.43% | 9.14% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.18% | 10.18% | 11.15% | 9.15% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.11% | 10.11% | 11.09% | 9.17% | 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 |
|---|---|---|---|---|---|---|
| Lake Ridge Bank (this bank) | Risk-based | 11.97% | 11.97% | 13.02% | 9.95% | |
| Banterra Bank | $3.36B | Risk-based | 9.85% | 9.85% | 10.73% | 9.41% |
| Libertyville Bank & Trust Company, N.A. | $3.34B | Risk-based | 10.88% | 10.88% | 11.81% | 9.19% |
| Austin Bank, Texas N.A. | $3.33B | CBLR | NA | NA | NA | 15.12% |
| TruNorth Bank | $3.32B | Risk-based | 15.98% | 15.98% | 16.59% | 11.46% |
| Northern Bank & Trust Company | $3.38B | Risk-based | 15.30% | 15.30% | 16.56% | 14.55% |
| First Dakota National Bank | $3.39B | CBLR | NA | NA | NA | 10.40% |
| Northrim Bank | $3.40B | Risk-based | 12.38% | 12.38% | 13.39% | 10.26% |
| Red River Bank | $3.31B | Risk-based | 17.32% | 17.32% | 18.37% | 12.49% |
| BankFirst Financial Services | $3.31B | CBLR | NA | NA | NA | 10.86% |
| ACNB Bank | $3.30B | Risk-based | 14.30% | 14.30% | 15.28% | 11.25% |
| Peer 25th percentile | 11.63% | 11.63% | 12.60% | 10.30% | ||
| Peer median | 14.30% | 14.30% | 15.28% | 11.05% | ||
| Peer 75th percentile | 15.64% | 15.64% | 16.58% | 12.23% | ||
| This bank's percentile | 29 | 29 | 29 | 20 |
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/525549/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.