Legacy Bank: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.09% (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: 8.09% (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 14.83% +8.33 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 | $58.5M | 58,547 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $394.7M | 394,657 | RCOAA223 |
| Recomputed ratio | 14.83% | numerator / denominator | |
| Filed ratio | 14.83% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.33 pp | $32.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.83% +6.83 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 | $58.5M | 58,547 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $394.7M | 394,657 | RCOAA223 |
| Recomputed ratio | 14.83% | numerator / denominator | |
| Filed ratio | 14.83% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.83 pp | $27.0M | capital that could be lost first |
Total risk-based capital ratio 16.09% +6.09 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 | $63.5M | 63,503 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $394.7M | 394,657 | RCOAA223 |
| Recomputed ratio | 16.09% | numerator / denominator | |
| Filed ratio | 16.09% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.09 pp | $24.0M | capital that could be lost first |
Tier 1 leverage ratio 8.53% +3.53 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 | $58.5M | 58,547 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $686.2M | 686,151 | RCOAA224 |
| Recomputed ratio | 8.53% | numerator / denominator | |
| Filed ratio | 8.53% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.53 pp | $24.2M | 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 | 29,911 | 29,911 | 29,911 | 29,911 | 29,911 | 29,911 | RCOAP742 |
| Retained earnings | 28,636 | 28,748 | 28,166 | 29,217 | 28,429 | 28,095 | RCOAKW00 |
| Accumulated other comprehensive income | (1,396) | (429) | 1,183 | 1,143 | (92) | (73) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 57,151 | 58,230 | 59,260 | 60,271 | 58,248 | 57,933 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,396 | 429 | (1,183) | (1,143) | 92 | 73 | P859 - P840 |
| Common equity Tier 1 capital | 58,547 | 58,659 | 58,077 | 59,128 | 58,340 | 58,006 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 58,547 | 58,659 | 58,077 | 59,128 | 58,340 | 58,006 | RCOA8274 |
| Tier 2 capital | 4,956 | 4,779 | 4,561 | 4,450 | 4,312 | 4,291 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,956 | 4,779 | 4,561 | 4,450 | 4,312 | 4,291 | RCOA5310 |
| Total capital | 63,503 | 63,438 | 62,638 | 63,578 | 62,652 | 62,297 | RCOA3792 |
| Total risk-weighted assets | 394,657 | 380,656 | 363,094 | 354,385 | 343,449 | 341,910 | RCOAA223 |
| Average total assets for the leverage ratio | 686,151 | 670,700 | 657,527 | 643,673 | 633,860 | 618,459 | 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 | $38.1M | $686K | 1.80% | 0.17% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $210.1M | $2.7M | 1.28% | 0.68% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $113.4M | $58.2M | 51.31% | 14.67% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $2.6M | $3.8M | 150.00% | 0.97% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $12.2M | $16.8M | 137.48% | 4.23% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $292.6M | $285.8M | 97.67% | 72.07% | RC-R Part II, item 4.d, 5.d |
| All other assets | $26.2M | $23.4M | 89.42% | 5.90% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $5.7M | $5.2M | 91.10% | 1.32% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | 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 | $396.5M | ties to item 31 ($396.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $396.5M | RCONB704 |
| Less: excess allowance for credit losses | $1.9M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $394.7M | 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 | 14.83% | 14.83% | 16.09% | 8.53% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.41% | 15.41% | 16.67% | 8.75% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.99% | 15.99% | 17.25% | 8.83% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 16.68% | 16.68% | 17.94% | 9.19% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 16.99% | 16.99% | 18.24% | 9.20% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 16.97% | 16.97% | 18.22% | 9.38% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.93% | 15.93% | 17.19% | 9.36% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 16.27% | 16.27% | 17.52% | 9.55% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 16.94% | 16.94% | 18.20% | 9.73% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 17.33% | 17.33% | 18.59% | 9.86% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 17.33% | 17.33% | 18.58% | 9.54% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 17.62% | 17.62% | 18.88% | 9.78% | 14.65% | 14.67% | 15.79% | 10.60% |
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 |
|---|---|---|---|---|---|---|
| Legacy Bank (this bank) | Risk-based | 14.83% | 14.83% | 16.09% | 8.53% | |
| First Federal Savings Bank | $686.6M | CBLR | NA | NA | NA | 9.31% |
| Jeff Bank, N.A. | $686.2M | CBLR | NA | NA | NA | 14.92% |
| First National Bank and Trust Company of Ardmore | $686.7M | CBLR | NA | NA | NA | 10.07% |
| Asian Bank | $685.9M | Risk-based | 24.19% | 24.19% | 25.28% | 19.15% |
| Geddes Federal Savings and Loan Association | $685.7M | CBLR | NA | NA | NA | 14.70% |
| Yampa Valley Bank | $687.6M | CBLR | NA | NA | NA | 9.39% |
| Midamerica National Bank | $685.0M | CBLR | NA | NA | NA | 9.86% |
| Bankorion | $688.1M | CBLR | NA | NA | NA | 9.73% |
| Peer 25th percentile | NA | NA | NA | 9.64% | ||
| Peer median | 24.19% | 24.19% | 25.28% | 9.96% | ||
| Peer 75th percentile | NA | NA | NA | 14.75% | ||
| This bank's percentile | NA | NA | NA | 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/320052/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.