Meredith Village Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.33% (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: 8.33% (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 15.09% +8.59 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 | $166.3M | 166,293 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.10B | 1,102,124 | RCOAA223 |
| Recomputed ratio | 15.09% | numerator / denominator | |
| Filed ratio | 15.09% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.59 pp | $94.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.09% +7.09 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 | $166.3M | 166,293 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.10B | 1,102,124 | RCOAA223 |
| Recomputed ratio | 15.09% | numerator / denominator | |
| Filed ratio | 15.09% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.09 pp | $78.1M | capital that could be lost first |
Total risk-based capital ratio 16.33% +6.33 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 | $180.0M | 180,002 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.10B | 1,102,124 | RCOAA223 |
| Recomputed ratio | 16.33% | numerator / denominator | |
| Filed ratio | 16.33% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.33 pp | $69.8M | capital that could be lost first |
Tier 1 leverage ratio 10.26% +5.26 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 | $166.3M | 166,293 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.62B | 1,620,190 | RCOAA224 |
| Recomputed ratio | 10.26% | numerator / denominator | |
| Filed ratio | 10.26% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.26 pp | $85.3M | 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 | 539 | 489 | 464 | 439 | 414 | 389 | RCOAP742 |
| Retained earnings | 165,754 | 163,533 | 161,282 | 158,708 | 157,030 | 155,699 | RCOAKW00 |
| Accumulated other comprehensive income | (8,792) | (8,588) | (8,364) | (8,934) | (9,929) | (10,269) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 157,501 | 155,434 | 153,382 | 150,213 | 147,515 | 145,819 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 8,792 | 8,588 | 8,363 | 8,934 | 9,929 | 10,268 | P859 - P840 |
| Common equity Tier 1 capital | 166,293 | 164,022 | 161,745 | 159,147 | 157,444 | 156,087 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 166,293 | 164,022 | 161,745 | 159,147 | 157,444 | 156,087 | RCOA8274 |
| Tier 2 capital | 13,709 | 13,577 | 13,529 | 13,286 | 13,251 | 13,254 | RCOA5311 |
| Allowance includable in Tier 2 capital | 13,709 | 13,577 | 13,529 | 13,286 | 13,251 | 13,254 | RCOA5310 |
| Total capital | 180,002 | 177,599 | 175,274 | 172,433 | 170,695 | 169,341 | RCOA3792 |
| Total risk-weighted assets | 1,102,124 | 1,085,970 | 1,081,868 | 1,061,956 | 1,059,093 | 1,059,220 | RCOAA223 |
| Average total assets for the leverage ratio | 1,620,190 | 1,639,783 | 1,614,809 | 1,624,594 | 1,580,870 | 1,617,153 | 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 | $39.4M | $2.9M | 7.33% | 0.26% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $117.0M | $18.5M | 15.77% | 1.68% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $2.1M | $413K | 20.00% | 0.04% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $922.8M | $467.4M | 50.65% | 42.41% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $5.6M | $8.4M | 150.00% | 0.76% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $1.9M | $2.8M | 150.00% | 0.25% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $515.2M | $511.8M | 99.33% | 46.43% | RC-R Part II, item 4.d, 5.d |
| All other assets | $66.0M | $61.1M | 92.62% | 5.54% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $29.9M | $28.8M | 96.48% | 2.62% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $607K | $0 | 0.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $2K | 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 | $1.10B | ties to item 31 ($1.10B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.10B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.10B | 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 | 15.09% | 15.09% | 16.33% | 10.26% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 15.10% | 15.10% | 16.35% | 10.00% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 14.95% | 14.95% | 16.20% | 10.02% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 14.99% | 14.99% | 16.24% | 9.80% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 14.87% | 14.87% | 16.12% | 9.96% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 14.74% | 14.74% | 15.99% | 9.65% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.34% | 14.34% | 15.59% | 9.69% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.85% | 13.85% | 15.10% | 9.35% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.45% | 13.45% | 14.70% | 9.18% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.08% | 13.08% | 14.33% | 9.02% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.91% | 12.91% | 14.16% | 9.02% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.57% | 12.57% | 13.82% | 8.96% | 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 |
|---|---|---|---|---|---|---|
| Meredith Village Savings Bank (this bank) | Risk-based | 15.09% | 15.09% | 16.33% | 10.26% | |
| Forcht Bank, N.A. | $1.65B | Risk-based | 12.37% | 12.37% | 13.62% | 8.16% |
| The Ohio Valley Bank Company | $1.65B | CBLR | NA | NA | NA | 9.73% |
| US Metro Bank | $1.64B | Risk-based | 12.35% | 12.35% | 13.60% | 10.42% |
| Citizens Tri-County Bank | $1.64B | CBLR | NA | NA | NA | 9.34% |
| Benchmark Bank | $1.65B | Risk-based | 11.89% | 11.89% | 13.11% | 8.47% |
| Horicon Bank | $1.65B | Risk-based | 10.81% | 10.81% | 12.06% | 9.72% |
| Virginia National Bank | $1.64B | Risk-based | 20.52% | 20.52% | 21.35% | 13.21% |
| Community Bank | $1.66B | Risk-based | 14.22% | 14.22% | 15.18% | 9.94% |
| Signature Bank of Arkansas | $1.63B | Risk-based | 11.92% | 11.92% | 13.17% | 9.57% |
| Peer 25th percentile | 11.91% | 11.91% | 13.14% | 9.34% | ||
| Peer median | 12.35% | 12.35% | 13.60% | 9.72% | ||
| Peer 75th percentile | 13.29% | 13.29% | 14.40% | 9.94% | ||
| This bank's percentile | 86 | 86 | 86 | 78 |
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/576608/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.