Landmark National Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.54% (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: 6.54% (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 13.45% +6.95 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 | $159.9M | 159,899 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.19B | 1,188,508 | RCOAA223 |
| Recomputed ratio | 13.45% | numerator / denominator | |
| Filed ratio | 13.45% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.95 pp | $82.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.45% +5.45 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 | $159.9M | 159,899 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.19B | 1,188,508 | RCOAA223 |
| Recomputed ratio | 13.45% | numerator / denominator | |
| Filed ratio | 13.45% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.45 pp | $64.8M | capital that could be lost first |
Total risk-based capital ratio 14.54% +4.54 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 | $172.9M | 172,867 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.19B | 1,188,508 | RCOAA223 |
| Recomputed ratio | 14.54% | numerator / denominator | |
| Filed ratio | 14.54% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.54 pp | $54.0M | capital that could be lost first |
Tier 1 leverage ratio 10.17% +5.17 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 | $159.9M | 159,899 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.57B | 1,572,983 | RCOAA224 |
| Recomputed ratio | 10.17% | numerator / denominator | |
| Filed ratio | 10.17% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.17 pp | $81.2M | 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 | 99,983 | 99,847 | 99,769 | 99,690 | 99,626 | 99,507 | RCOAP742 |
| Retained earnings | 92,906 | 89,348 | 86,449 | 83,179 | 80,230 | 77,507 | RCOAKW00 |
| Accumulated other comprehensive income | (7,571) | (8,572) | (5,687) | (6,988) | (10,556) | (12,971) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 185,318 | 180,623 | 180,531 | 175,881 | 169,300 | 164,043 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (25,419) | (24,576) | (27,616) | (26,472) | (23,081) | (20,841) | P859 - P840 |
| Common equity Tier 1 capital | 159,899 | 156,047 | 152,915 | 149,409 | 146,219 | 143,202 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 159,899 | 156,047 | 152,915 | 149,409 | 146,219 | 143,202 | RCOA8274 |
| Tier 2 capital | 12,968 | 12,920 | 12,398 | 12,239 | 13,702 | 12,742 | RCOA5311 |
| Allowance includable in Tier 2 capital | 12,968 | 12,920 | 12,398 | 12,239 | 13,702 | 12,742 | RCOA5310 |
| Total capital | 172,867 | 168,967 | 165,313 | 161,648 | 159,921 | 155,944 | RCOA3792 |
| Total risk-weighted assets | 1,188,508 | 1,180,589 | 1,183,865 | 1,177,500 | 1,187,595 | 1,149,832 | RCOAA223 |
| Average total assets for the leverage ratio | 1,572,983 | 1,561,656 | 1,580,573 | 1,589,145 | 1,567,756 | 1,550,174 | 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 | $29.8M | $2.0M | 6.73% | 0.17% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $352.8M | $62.3M | 17.66% | 5.24% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.6M | $1.6M | 100.00% | 0.13% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $393.8M | $208.8M | 53.03% | 17.57% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $19.2M | $28.8M | 150.00% | 2.43% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $11.0M | $16.5M | 150.00% | 1.39% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $682.1M | $682.1M | 100.00% | 57.39% | RC-R Part II, item 4.d, 5.d |
| All other assets | $96.8M | $91.9M | 94.87% | 7.73% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $1.8M | $23.1M | 1250.00% | 1.94% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $66.9M | $66.9M | 100.00% | 5.63% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $4.5M | NA | 0.38% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.18B | ties to item 31 ($1.18B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.19B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.19B | 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 | 13.45% | 13.45% | 14.54% | 10.17% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.22% | 13.22% | 14.31% | 9.99% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.92% | 12.92% | 13.96% | 9.67% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.69% | 12.69% | 13.73% | 9.40% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.31% | 12.31% | 13.47% | 9.33% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.45% | 12.45% | 13.56% | 9.24% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.43% | 12.43% | 13.53% | 9.10% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.75% | 12.75% | 13.78% | 8.99% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.72% | 12.72% | 13.72% | 8.91% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.75% | 12.75% | 13.75% | 8.81% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.74% | 12.74% | 13.70% | 8.68% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.68% | 12.68% | 13.67% | 8.67% | 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 |
|---|---|---|---|---|---|---|
| Landmark National Bank (this bank) | Risk-based | 13.45% | 13.45% | 14.54% | 10.17% | |
| Primesouth Bank | $1.60B | Risk-based | 14.63% | 14.63% | 15.89% | 12.03% |
| Troy Bank & Trust Company | $1.60B | CBLR | NA | NA | NA | 12.83% |
| Bank of Travelers Rest | $1.60B | Risk-based | 15.87% | 15.87% | 17.07% | 10.29% |
| Bankhometown | $1.60B | Risk-based | 14.08% | 14.08% | 15.33% | 11.24% |
| Grasshopper Bank, N.A. | $1.60B | Risk-based | 10.17% | 10.17% | 11.00% | 8.22% |
| Farmers State Bank | $1.60B | Risk-based | 13.41% | 13.41% | 14.51% | 11.20% |
| Alma Bank | $1.60B | Risk-based | 11.68% | 11.68% | 12.94% | 10.35% |
| First Savings Bank | $1.59B | Risk-based | 23.63% | 25.51% | 26.82% | 19.25% |
| Bom Bank | $1.61B | CBLR | NA | NA | NA | 10.64% |
| Peer 25th percentile | 12.54% | 12.54% | 13.72% | 10.35% | ||
| Peer median | 14.08% | 14.08% | 15.33% | 11.20% | ||
| Peer 75th percentile | 15.25% | 15.25% | 16.48% | 12.03% | ||
| This bank's percentile | 43 | 43 | 43 | 11 |
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/481177/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.