Medallion Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.62% (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 CET1. The bank clears the requirement. Filed figure: 8.62% (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 13.12% +6.62 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 | $354.3M | 354,278 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.70B | 2,701,087 | RCOAA223 |
| Recomputed ratio | 13.12% | numerator / denominator | |
| Filed ratio | 13.12% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.62 pp | $178.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.80% +8.80 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 | $453.7M | 453,707 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.70B | 2,701,087 | RCOAA223 |
| Recomputed ratio | 16.80% | numerator / denominator | |
| Filed ratio | 16.80% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.80 pp | $237.6M | capital that could be lost first |
Total risk-based capital ratio 18.08% +8.08 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 | $488.4M | 488,441 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.70B | 2,701,087 | RCOAA223 |
| Recomputed ratio | 18.08% | numerator / denominator | |
| Filed ratio | 18.08% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +8.08 pp | $218.3M | capital that could be lost first |
Tier 1 leverage ratio 16.92% +11.92 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 | $453.7M | 453,707 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.68B | 2,682,074 | RCOAA224 |
| Recomputed ratio | 16.92% | numerator / denominator | |
| Filed ratio | 16.92% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +11.92 pp | $319.6M | 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 | 78,500 | 78,500 | 78,500 | 78,500 | 78,500 | 78,500 | RCOAP742 |
| Retained earnings | 275,778 | 269,127 | 277,538 | 266,472 | 259,238 | 249,777 | RCOAKW00 |
| Accumulated other comprehensive income | (3,692) | (3,599) | (3,214) | (3,249) | (3,931) | (3,842) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 350,586 | 344,028 | 352,824 | 341,723 | 333,807 | 324,435 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,692 | 3,599 | 3,214 | 3,249 | 3,931 | 3,842 | P859 - P840 |
| Common equity Tier 1 capital | 354,278 | 347,627 | 356,038 | 344,972 | 337,738 | 328,277 | RCOAP859 |
| Additional Tier 1 capital | 99,429 | 99,429 | 99,429 | 99,429 | 141,914 | 68,787 | RCOAP865 |
| Tier 1 capital | 453,707 | 447,056 | 455,467 | 444,401 | 479,652 | 397,064 | RCOA8274 |
| Tier 2 capital | 34,734 | 32,553 | 31,825 | 31,738 | 31,492 | 30,943 | RCOA5311 |
| Allowance includable in Tier 2 capital | 34,734 | 32,553 | 31,825 | 31,738 | 31,492 | 30,943 | RCOA5310 |
| Total capital | 488,441 | 479,609 | 487,292 | 476,139 | 511,144 | 428,007 | RCOA3792 |
| Total risk-weighted assets | 2,701,087 | 2,529,775 | 2,472,328 | 2,471,481 | 2,455,409 | 2,414,538 | RCOAA223 |
| Average total assets for the leverage ratio | 2,682,074 | 2,572,371 | 2,558,754 | 2,539,064 | 2,485,311 | 2,488,507 | 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 | $124.9M | $297K | 0.24% | 0.01% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $76.8M | $23.0M | 29.94% | 0.83% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $3.8M | $754K | 20.00% | 0.03% | RC-R Part II, item 3.a, 16 |
| Loans: past due and nonaccrual | $12.0M | $18.0M | 150.00% | 0.65% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.66B | $2.66B | 100.00% | 95.56% | RC-R Part II, item 4.d, 5.d |
| All other assets | $79.4M | $79.4M | 100.00% | 2.86% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.0M | $2.0M | 100.00% | 0.07% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $800 | 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 | $2.78B | ties to item 31 ($2.78B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.78B | RCONB704 |
| Less: excess allowance for credit losses | $77.6M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.70B | 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 | 13.12% | 16.80% | 18.08% | 16.92% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.74% | 17.67% | 18.96% | 17.38% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 14.40% | 18.42% | 19.71% | 17.80% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.96% | 17.98% | 19.27% | 17.50% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.75% | 19.53% | 20.82% | 19.30% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.60% | 16.44% | 17.73% | 15.96% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.26% | 16.10% | 17.38% | 15.68% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.97% | 15.81% | 17.09% | 15.66% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.16% | 16.11% | 17.39% | 16.14% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.72% | 16.88% | 18.16% | 16.43% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.63% | 16.82% | 18.10% | 16.24% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.10% | 16.28% | 17.56% | 16.08% | 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 |
|---|---|---|---|---|---|---|
| Medallion Bank (this bank) | Risk-based | 13.12% | 16.80% | 18.08% | 16.92% | |
| Habib American Bank | $2.84B | Risk-based | 12.79% | 12.79% | 14.03% | 8.49% |
| Armstrong Bank | $2.84B | Risk-based | 13.89% | 13.89% | 14.97% | 10.42% |
| American Momentum Bank | $2.85B | Risk-based | 24.90% | 24.90% | 26.06% | 19.24% |
| Emprise Bank | $2.82B | Risk-based | 10.22% | 10.22% | 11.43% | 7.69% |
| Lakeside Bank | $2.85B | Risk-based | 12.41% | 12.41% | 13.56% | 10.99% |
| Chemung Canal Trust Company, N.A. | $2.82B | Risk-based | 13.84% | 13.84% | 14.96% | 11.38% |
| ANB Bank | $2.85B | Risk-based | 14.59% | 14.59% | 15.43% | 9.52% |
| State Bank of the Lakes, N.A. | $2.81B | Risk-based | 10.75% | 10.75% | 11.37% | 9.05% |
| Industrial and Commercial Bank of China (USA), N.A. | $2.86B | Risk-based | 17.53% | 17.53% | 18.27% | 17.26% |
| Bank Independent | $2.86B | Risk-based | 13.22% | 13.22% | 14.42% | 9.82% |
| Peer 25th percentile | 12.50% | 12.50% | 13.68% | 9.17% | ||
| Peer median | 13.53% | 13.53% | 14.69% | 10.12% | ||
| Peer 75th percentile | 14.42% | 14.42% | 15.32% | 11.28% | ||
| This bank's percentile | 40 | 80 | 80 | 80 |
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/3228908/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.