Minster Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.22% (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: 9.22% (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 16.09% +9.59 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 | $83.4M | 83,382 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $518.3M | 518,305 | RCOAA223 |
| Recomputed ratio | 16.09% | numerator / denominator | |
| Filed ratio | 16.09% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.59 pp | $49.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.09% +8.09 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 | $83.4M | 83,382 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $518.3M | 518,305 | RCOAA223 |
| Recomputed ratio | 16.09% | numerator / denominator | |
| Filed ratio | 16.09% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.09 pp | $41.9M | capital that could be lost first |
Total risk-based capital ratio 17.22% +7.22 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 | $89.3M | 89,251 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $518.3M | 518,305 | RCOAA223 |
| Recomputed ratio | 17.22% | numerator / denominator | |
| Filed ratio | 17.22% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.22 pp | $37.4M | capital that could be lost first |
Tier 1 leverage ratio 10.08% +5.08 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 | $83.4M | 83,382 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $826.9M | 826,857 | RCOAA224 |
| Recomputed ratio | 10.08% | numerator / denominator | |
| Filed ratio | 10.08% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.08 pp | $42.0M | 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 | 10,031 | 10,031 | 10,031 | 10,031 | 10,031 | 10,031 | RCOAP742 |
| Retained earnings | 73,351 | 69,924 | 66,795 | 68,622 | 65,444 | 62,491 | RCOAKW00 |
| Accumulated other comprehensive income | (11,200) | (12,001) | (10,312) | (11,704) | (13,811) | (15,532) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 72,182 | 67,954 | 66,514 | 66,949 | 61,664 | 56,990 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 11,200 | 12,001 | 10,312 | 11,704 | 13,811 | 15,532 | P859 - P840 |
| Common equity Tier 1 capital | 83,382 | 79,955 | 76,826 | 78,653 | 75,475 | 72,522 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 83,382 | 79,955 | 76,826 | 78,653 | 75,475 | 72,522 | RCOA8274 |
| Tier 2 capital | 5,869 | 5,434 | 5,147 | 5,073 | 5,150 | 5,081 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,869 | 5,434 | 5,147 | 5,073 | 5,150 | 5,081 | RCOA5310 |
| Total capital | 89,251 | 85,389 | 81,973 | 83,726 | 80,625 | 77,603 | RCOA3792 |
| Total risk-weighted assets | 518,305 | 503,695 | 486,608 | 454,779 | 452,207 | 438,732 | RCOAA223 |
| Average total assets for the leverage ratio | 826,857 | 815,727 | 825,003 | 809,900 | 775,671 | 783,499 | 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 | $86.0M | $1.0M | 1.19% | 0.20% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $230.2M | $40.0M | 17.35% | 7.71% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $3.0M | $596K | 20.00% | 0.12% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $136.9M | $79.0M | 57.72% | 15.24% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $649K | $649K | 100.00% | 0.13% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $325.0M | $320.1M | 98.49% | 61.76% | RC-R Part II, item 4.d, 5.d |
| All other assets | $26.9M | $23.1M | 85.75% | 4.45% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $50.5M | $49.3M | 97.76% | 9.52% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $4.6M | NA | 0.88% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $513.7M | ties to item 31 ($513.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $518.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $518.3M | 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 | 16.09% | 16.09% | 17.22% | 10.08% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.87% | 15.87% | 16.95% | 9.80% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.79% | 15.79% | 16.85% | 9.31% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 17.29% | 17.29% | 18.41% | 9.71% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 16.69% | 16.69% | 17.83% | 9.73% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 16.53% | 16.53% | 17.69% | 9.26% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 16.95% | 16.95% | 18.11% | 9.31% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 18.12% | 18.12% | 19.37% | 9.87% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 17.66% | 17.66% | 18.80% | 9.74% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 17.13% | 17.13% | 18.20% | 9.50% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 17.04% | 17.04% | 18.08% | 9.50% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 17.12% | 17.12% | 18.13% | 9.52% | 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 |
|---|---|---|---|---|---|---|
| Minster Bank (this bank) | Risk-based | 16.09% | 16.09% | 17.22% | 10.08% | |
| Cusb Bank | $812.1M | CBLR | NA | NA | NA | 12.27% |
| Promiseone Bank | $812.2M | Risk-based | 15.70% | 15.70% | 16.82% | 10.12% |
| Citizens 1st Bank | $811.0M | Risk-based | 38.50% | 38.50% | 39.10% | 20.52% |
| The First Bank of Greenwich | $812.3M | Risk-based | 11.10% | 11.10% | 12.34% | 9.26% |
| First United Bank | $810.8M | CBLR | NA | NA | NA | 10.13% |
| FCN Bank, N.A. | $812.5M | Risk-based | 14.01% | 14.01% | 15.18% | 9.92% |
| First Bank | $810.5M | Risk-based | 14.82% | 14.82% | 16.07% | 9.70% |
| CNB St. Louis Bank | $812.9M | CBLR | NA | NA | NA | 9.29% |
| First Century Bank | $809.8M | Risk-based | 11.97% | 11.97% | 13.22% | 9.44% |
| Platte Valley Bank | $809.2M | CBLR | NA | NA | NA | 9.73% |
| Peer 25th percentile | 12.48% | 12.48% | 13.71% | 9.51% | ||
| Peer median | 14.41% | 14.41% | 15.63% | 9.83% | ||
| Peer 75th percentile | 15.48% | 15.48% | 16.63% | 10.13% | ||
| This bank's percentile | 83 | 83 | 83 | 60 |
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/604024/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.