Ledyard National Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.92% (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: 3.92% (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 11.19% +4.69 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 | $86.7M | 86,723 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $775.3M | 775,262 | RCOAA223 |
| Recomputed ratio | 11.19% | numerator / denominator | |
| Filed ratio | 11.19% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.69 pp | $36.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.19% +3.19 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 | $86.7M | 86,723 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $775.3M | 775,262 | RCOAA223 |
| Recomputed ratio | 11.19% | numerator / denominator | |
| Filed ratio | 11.19% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.19 pp | $24.7M | capital that could be lost first |
Total risk-based capital ratio 11.92% +1.92 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 | $92.4M | 92,397 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $775.3M | 775,262 | RCOAA223 |
| Recomputed ratio | 11.92% | numerator / denominator | |
| Filed ratio | 11.92% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.92 pp | $14.9M | capital that could be lost first |
Tier 1 leverage ratio 8.27% +3.27 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 | $86.7M | 86,723 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.05B | 1,048,744 | RCOAA224 |
| Recomputed ratio | 8.27% | numerator / denominator | |
| Filed ratio | 8.27% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.27 pp | $34.3M | 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 | 26,008 | 26,008 | 26,008 | 26,008 | 26,008 | 26,008 | RCOAP742 |
| Retained earnings | 65,797 | 64,521 | 63,540 | 61,171 | 60,135 | 59,319 | RCOAKW00 |
| Accumulated other comprehensive income | (12,819) | (13,548) | (13,515) | (14,286) | (16,198) | (14,902) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 78,986 | 76,981 | 76,033 | 72,893 | 69,945 | 70,425 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 7,737 | 8,465 | 8,433 | 9,204 | 11,116 | 9,820 | P859 - P840 |
| Common equity Tier 1 capital | 86,723 | 85,446 | 84,466 | 82,097 | 81,061 | 80,245 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 86,723 | 85,446 | 84,466 | 82,097 | 81,061 | 80,245 | RCOA8274 |
| Tier 2 capital | 5,674 | 5,403 | 5,070 | 5,009 | 4,930 | 4,695 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,674 | 5,403 | 5,070 | 5,009 | 4,930 | 4,695 | RCOA5310 |
| Total capital | 92,397 | 90,849 | 89,536 | 87,106 | 85,991 | 84,940 | RCOA3792 |
| Total risk-weighted assets | 775,262 | 734,285 | 725,424 | 706,213 | 692,019 | 682,160 | RCOAA223 |
| Average total assets for the leverage ratio | 1,048,744 | 1,044,274 | 1,043,171 | 1,019,673 | 985,661 | 949,128 | 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 | $32.9M | $723K | 2.20% | 0.09% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $230.7M | $76.1M | 32.99% | 9.82% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $163K | $33K | 20.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $323.2M | $171.9M | 53.18% | 22.17% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $25.2M | $37.8M | 150.00% | 4.87% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $566K | $849K | 150.00% | 0.11% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $387.4M | $379.8M | 98.04% | 48.99% | RC-R Part II, item 4.d, 5.d |
| All other assets | $58.0M | $50.7M | 87.44% | 6.54% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $52.0M | $52.9M | 101.83% | 6.83% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $2.2M | $744K | 34.39% | 0.10% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $3.6M | NA | 0.47% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $771.6M | ties to item 31 ($771.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $775.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $775.3M | 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 | 11.19% | 11.19% | 11.92% | 8.27% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.64% | 11.64% | 12.37% | 8.18% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.64% | 11.64% | 12.34% | 8.10% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.62% | 11.62% | 12.33% | 8.05% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.71% | 11.71% | 12.43% | 8.22% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.76% | 11.76% | 12.45% | 8.45% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.08% | 12.08% | 12.72% | 8.55% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.26% | 13.26% | 13.95% | 9.17% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.71% | 13.71% | 14.40% | 9.21% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 14.22% | 14.22% | 14.91% | 9.29% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 15.54% | 15.54% | 16.20% | 10.06% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 16.97% | 16.97% | 17.54% | 10.92% | 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 |
|---|---|---|---|---|---|---|
| Ledyard National Bank (this bank) | Risk-based | 11.19% | 11.19% | 11.92% | 8.27% | |
| Midcountry Bank | $1.07B | Risk-based | 15.98% | 15.98% | 17.23% | 13.00% |
| Brooks Bank, N.A. | $1.07B | CBLR | NA | NA | NA | 13.31% |
| Cape Ann Savings Bank | $1.07B | Risk-based | 27.40% | 27.40% | 28.20% | 20.48% |
| Monticello Banking Company | $1.07B | CBLR | NA | NA | NA | 10.17% |
| Ixonia Bank | $1.08B | Risk-based | 12.23% | 12.23% | 13.32% | 9.95% |
| The Paducah Bank and Trust Company | $1.07B | Risk-based | 12.87% | 12.87% | 14.12% | 10.63% |
| The First National Bank of McGregor | $1.08B | Risk-based | 12.06% | 12.06% | 13.31% | 9.55% |
| Frontier Bank of Texas | $1.08B | CBLR | NA | NA | NA | 10.05% |
| Core Bank | $1.07B | Risk-based | 12.17% | 12.17% | 13.42% | 9.77% |
| CNB Bank | $1.07B | CBLR | NA | NA | NA | 9.73% |
| Peer 25th percentile | 12.19% | 12.19% | 13.35% | 9.82% | ||
| Peer median | 12.55% | 12.55% | 13.77% | 10.11% | ||
| Peer 75th percentile | 15.20% | 15.20% | 16.45% | 12.41% | ||
| This bank's percentile | 0 | 0 | 0 | 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/1863097/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.