Lewis & Clark Bank: Regulatory Capital and Risk-Weighted Assets
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As of 3Q25, from Call Report Schedule RC-R.
Capital conservation buffer: 13.24% (3Q25), 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: 13.24% (RCOAH311).
What each ratio is made of, 3Q25
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 20.22% +13.72 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 | $39.8M | 39,764 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $196.7M | 196,699 | RCOAA223 |
| Recomputed ratio | 20.22% | numerator / denominator | |
| Filed ratio | 20.22% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +13.72 pp | $27.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 20.22% +12.22 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 | $39.8M | 39,764 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $196.7M | 196,699 | RCOAA223 |
| Recomputed ratio | 20.22% | numerator / denominator | |
| Filed ratio | 20.22% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +12.22 pp | $24.0M | capital that could be lost first |
Total risk-based capital ratio 21.24% +11.24 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 | $41.8M | 41,779 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $196.7M | 196,699 | RCOAA223 |
| Recomputed ratio | 21.24% | numerator / denominator | |
| Filed ratio | 21.24% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +11.24 pp | $22.1M | capital that could be lost first |
Tier 1 leverage ratio 11.50% +6.50 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 | $39.8M | 39,764 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $345.9M | 345,876 | RCOAA224 |
| Recomputed ratio | 11.50% | numerator / denominator | |
| Filed ratio | 11.50% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.50 pp | $22.5M | 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 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 31,560 | 31,560 | 31,560 | RCOAP742 |
| Retained earnings | 8,820 | 9,128 | 9,459 | RCOAKW00 |
| Accumulated other comprehensive income | (2,123) | (2,927) | (3,340) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 38,257 | 37,761 | 37,679 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,507 | 2,311 | 2,724 | P859 - P840 |
| Common equity Tier 1 capital | 39,764 | 40,072 | 40,403 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 39,764 | 40,072 | 40,403 | RCOA8274 |
| Tier 2 capital | 2,015 | 2,015 | 1,945 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,015 | 2,015 | 1,945 | RCOA5310 |
| Total capital | 41,779 | 42,087 | 42,348 | RCOA3792 |
| Total risk-weighted assets | 196,699 | 193,179 | 202,563 | RCOAA223 |
| Average total assets for the leverage ratio | 345,876 | 367,976 | 364,605 | RCOAA224 |
Risk-weighted assets by exposure category, 3Q25
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 |
|---|---|---|---|---|---|
| Market risk and other approaches | NA | $196.7M | NA | 100.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $0 | ties to item 31 ($0) |
|---|---|---|
| Risk-weighted assets before deductions | $196.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $196.7M | 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 |
|---|---|---|---|---|---|---|---|---|---|
| 3Q25 | Risk-based | 20.22% | 20.22% | 21.24% | 11.50% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 20.74% | 20.74% | 21.79% | 10.89% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 19.95% | 19.95% | 20.91% | 11.08% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 21.17% | 21.17% | 22.18% | 11.20% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 20.81% | 20.81% | 21.98% | 10.99% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 20.00% | 20.00% | 21.15% | 10.96% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 20.32% | 20.32% | 21.47% | 11.09% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 20.78% | 20.78% | 21.94% | 10.93% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 20.15% | 20.15% | 21.28% | 11.05% | 14.65% | 14.67% | 15.79% | 10.60% |
| 2Q23 | Risk-based | 20.01% | 20.01% | 21.13% | 11.43% | 14.63% | 14.65% | 15.76% | 10.48% |
| 1Q23 | Risk-based | 21.24% | 21.24% | 22.35% | 12.46% | 14.66% | 14.70% | 15.78% | 10.37% |
| 4Q22 | Risk-based | 21.43% | 21.43% | 22.54% | 12.49% | 14.44% | 14.49% | 15.55% | 10.28% |
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, 3Q25
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Lewis & Clark Bank (this bank) | Risk-based | 20.22% | 20.22% | 21.24% | 11.50% | |
| Granite Bank | $353.2M | Risk-based | 10.27% | 10.27% | 10.98% | 8.03% |
| First State Bank of Texas | $353.6M | CBLR | NA | NA | NA | 9.05% |
| United Southern Bank | $353.7M | CBLR | NA | NA | NA | 12.08% |
| Citizens Bank of Ada | $353.7M | Risk-based | 18.88% | 18.88% | 20.12% | 10.04% |
| The Waggoner National Bank of Vernon | $353.7M | CBLR | NA | NA | NA | 15.48% |
| First State Bank of Dekalb County, Inc. | $353.8M | Risk-based | 22.66% | 22.66% | 23.92% | 13.53% |
| Mutual Savings Bank | $352.9M | Risk-based | 12.89% | 12.89% | 14.04% | 9.63% |
| Glenwood State Bank | $352.9M | CBLR | NA | NA | NA | 11.85% |
| The Hocking Valley Bank | $354.0M | CBLR | NA | NA | NA | 11.10% |
| Citizens Community Bank | $352.6M | CBLR | NA | NA | NA | 13.93% |
| Peer 25th percentile | 12.24% | 12.24% | 13.27% | 9.73% | ||
| Peer median | 15.89% | 15.89% | 17.08% | 11.48% | ||
| Peer 75th percentile | 19.83% | 19.83% | 21.07% | 13.17% | ||
| This bank's percentile | 75 | 75 | 75 | 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/3489071/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.