MainStreet Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.14% (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: 7.14% (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 14.14% +7.64 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 | $282.5M | 282,524 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.00B | 1,997,387 | RCOAA223 |
| Recomputed ratio | 14.14% | numerator / denominator | |
| Filed ratio | 14.14% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.64 pp | $152.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.14% +6.14 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 | $282.5M | 282,524 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.00B | 1,997,387 | RCOAA223 |
| Recomputed ratio | 14.14% | numerator / denominator | |
| Filed ratio | 14.14% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.14 pp | $122.7M | capital that could be lost first |
Total risk-based capital ratio 15.14% +5.14 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 | $302.4M | 302,376 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.00B | 1,997,387 | RCOAA223 |
| Recomputed ratio | 15.14% | numerator / denominator | |
| Filed ratio | 15.14% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.14 pp | $102.6M | capital that could be lost first |
Tier 1 leverage ratio 12.78% +7.78 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 | $282.5M | 282,524 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.21B | 2,210,177 | RCOAA224 |
| Recomputed ratio | 12.78% | numerator / denominator | |
| Filed ratio | 12.78% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.78 pp | $172.0M | 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 | 173,333 | 173,333 | 173,333 | 173,333 | 173,333 | 173,333 | RCOAP742 |
| Retained earnings | 111,422 | 108,319 | 115,078 | 111,729 | 109,021 | 105,247 | RCOAKW00 |
| Accumulated other comprehensive income | (5,519) | (5,931) | (5,768) | (6,421) | (7,464) | (7,372) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 279,236 | 275,721 | 282,643 | 278,641 | 274,890 | 271,208 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,288 | 3,678 | 4,344 | 6,421 | 7,464 | 7,372 | P859 - P840 |
| Common equity Tier 1 capital | 282,524 | 279,399 | 286,987 | 285,062 | 282,354 | 278,580 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 282,524 | 279,399 | 286,987 | 285,062 | 282,354 | 278,580 | RCOA8274 |
| Tier 2 capital | 19,852 | 19,253 | 19,644 | 19,314 | 19,329 | 19,747 | RCOA5311 |
| Allowance includable in Tier 2 capital | 19,852 | 19,253 | 19,644 | 19,314 | 19,329 | 19,747 | RCOA5310 |
| Total capital | 302,376 | 298,652 | 306,631 | 304,376 | 301,683 | 298,327 | RCOA3792 |
| Total risk-weighted assets | 1,997,387 | 1,910,100 | 1,906,768 | 1,880,808 | 1,835,039 | 1,884,630 | RCOAA223 |
| Average total assets for the leverage ratio | 2,210,177 | 2,180,970 | 2,161,241 | 2,124,854 | 2,136,766 | 2,159,052 | 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 | $109.3M | $2.4M | 2.19% | 0.12% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $77.1M | $29.5M | 38.33% | 1.48% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $465.3M | $255.5M | 54.91% | 12.79% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $46.3M | $69.5M | 150.00% | 3.48% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.44B | $1.43B | 99.53% | 71.56% | RC-R Part II, item 4.d, 5.d |
| All other assets | $129.0M | $122.2M | 94.73% | 6.12% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $87.2M | $87.2M | 100.00% | 4.36% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.8M | $1.8M | 100.00% | 0.09% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $400 | 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 | $2.00B | ties to item 31 ($2.00B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.00B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.00B | 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 | 14.14% | 14.14% | 15.14% | 12.78% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 14.63% | 14.63% | 15.64% | 12.81% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 15.05% | 15.05% | 16.08% | 13.28% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 15.16% | 15.16% | 16.18% | 13.42% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 15.39% | 15.39% | 16.44% | 13.21% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 14.78% | 14.78% | 15.83% | 12.90% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.64% | 14.64% | 15.69% | 12.08% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 15.97% | 15.97% | 16.96% | 13.98% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 15.85% | 15.85% | 16.78% | 14.22% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 16.12% | 16.12% | 17.05% | 14.54% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 16.22% | 16.22% | 17.18% | 14.66% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 15.95% | 15.95% | 16.89% | 14.97% | 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 |
|---|---|---|---|---|---|---|
| MainStreet Bank (this bank) | Risk-based | 14.14% | 14.14% | 15.14% | 12.78% | |
| Country Bank for Savings | $2.24B | CBLR | NA | NA | NA | 14.84% |
| Regent Bank | $2.24B | Risk-based | 9.93% | 9.93% | 11.07% | 9.85% |
| Shinhan Bank America | $2.23B | Risk-based | 17.53% | 17.53% | 18.46% | 12.47% |
| Five Points Bank | $2.24B | Risk-based | 13.48% | 13.48% | 14.68% | 10.30% |
| National Bank of Commerce | $2.23B | Risk-based | 11.10% | 11.10% | 12.03% | 9.33% |
| Think Mutual Bank | $2.23B | CBLR | NA | NA | NA | 16.25% |
| American Bank & Trust | $2.25B | Risk-based | 15.24% | 15.24% | 16.33% | 11.28% |
| First Bank Chicago | $2.23B | CBLR | NA | NA | NA | 9.09% |
| Falcon International Bank | $2.25B | Risk-based | 19.86% | 19.86% | 20.95% | 13.44% |
| Peer 25th percentile | 11.70% | 11.70% | 12.69% | 9.85% | ||
| Peer median | 14.36% | 14.36% | 15.50% | 11.28% | ||
| Peer 75th percentile | 16.96% | 16.96% | 17.93% | 13.44% | ||
| This bank's percentile | 50 | 50 | 50 | 67 |
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/3248849/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.