Monet Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 128.07% (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: 128.07% (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 135.52% +129.02 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 | $999.3M | 999,308 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $737.4M | 737,410 | RCOAA223 |
| Recomputed ratio | 135.52% | numerator / denominator | |
| Filed ratio | 135.52% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +129.02 pp | $951.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 135.52% +127.52 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 | $999.3M | 999,308 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $737.4M | 737,410 | RCOAA223 |
| Recomputed ratio | 135.52% | numerator / denominator | |
| Filed ratio | 135.52% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +127.52 pp | $940.3M | capital that could be lost first |
Total risk-based capital ratio 136.07% +126.07 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 | $1.00B | 1,003,391 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $737.4M | 737,410 | RCOAA223 |
| Recomputed ratio | 136.07% | numerator / denominator | |
| Filed ratio | 136.07% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +126.07 pp | $929.6M | capital that could be lost first |
Tier 1 leverage ratio 31.69% +26.69 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 | $999.3M | 999,308 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.15B | 3,153,570 | RCOAA224 |
| Recomputed ratio | 31.69% | numerator / denominator | |
| Filed ratio | 31.69% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +26.69 pp | $841.6M | 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 | 470,190 | 470,190 | 470,190 | 469,448 | 469,412 | 470,547 | RCOAP742 |
| Retained earnings | 529,191 | 482,331 | 712,303 | 694,858 | 699,694 | 690,726 | RCOAKW00 |
| Accumulated other comprehensive income | (2,374) | 8,430 | 1,224 | (1,001) | (5,368) | 6,223 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 997,007 | 960,951 | 1,183,717 | 1,163,305 | 1,163,738 | 1,167,496 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,301 | (8,517) | (1,324) | 888 | 5,240 | (6,239) | P859 - P840 |
| Common equity Tier 1 capital | 999,308 | 952,434 | 1,182,393 | 1,164,193 | 1,168,978 | 1,161,257 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 999,308 | 952,434 | 1,182,393 | 1,164,193 | 1,168,978 | 1,161,257 | RCOA8274 |
| Tier 2 capital | 4,083 | 1,791 | 1,550 | 5,801 | 6,406 | 5,982 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,083 | 1,791 | 1,550 | 5,801 | 6,406 | 5,982 | RCOA5310 |
| Total capital | 1,003,391 | 954,225 | 1,183,943 | 1,169,994 | 1,175,384 | 1,167,239 | RCOA3792 |
| Total risk-weighted assets | 737,410 | 656,668 | 688,434 | 462,501 | 510,757 | 475,180 | RCOAA223 |
| Average total assets for the leverage ratio | 3,153,570 | 3,266,007 | 4,017,815 | 4,622,670 | 5,719,760 | 6,818,576 | 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 | $1.07B | $2.0M | 0.18% | 0.27% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.25B | $116.8M | 9.31% | 15.84% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $154.4M | $93.3M | 60.45% | 12.66% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $109.6M | $164.5M | 150.00% | 22.30% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $190.2M | $190.2M | 100.00% | 25.80% | RC-R Part II, item 4.d, 5.d |
| All other assets | $65.6M | $30.3M | 46.12% | 4.11% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $28.6M | $28.6M | 100.00% | 3.87% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $252.0M | $5.4M | 2.15% | 0.74% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $106.3M | NA | 14.42% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $631.1M | ties to item 31 ($631.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $737.4M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $737.4M | 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 | 135.52% | 135.52% | 136.07% | 31.69% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 145.04% | 145.04% | 145.31% | 29.16% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 171.75% | 171.75% | 171.98% | 29.43% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 251.72% | 251.72% | 252.97% | 25.18% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 228.87% | 228.87% | 230.13% | 20.44% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 244.38% | 244.38% | 245.64% | 17.03% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 67.25% | 67.25% | 67.95% | 17.48% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 59.22% | 59.22% | 59.93% | 17.58% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 70.47% | 70.47% | 71.12% | 21.47% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 78.16% | 78.16% | 78.70% | 20.44% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 68.80% | 68.80% | 69.23% | 14.79% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 97.58% | 97.58% | 97.90% | 15.49% | 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 |
|---|---|---|---|---|---|---|
| Monet Bank (this bank) | Risk-based | 135.52% | 135.52% | 136.07% | 31.69% | |
| Farmers Bank & Trust Company | $3.16B | CBLR | NA | NA | NA | 9.87% |
| Centreville Bank | $3.15B | CBLR | NA | NA | NA | 13.35% |
| Citizens & Northern Bank | $3.14B | Risk-based | 12.85% | 12.85% | 14.10% | 9.96% |
| 1st Security Bank of Washington | $3.18B | Risk-based | 12.84% | 12.84% | 14.01% | 11.44% |
| First National Bank | $3.18B | Risk-based | 13.05% | 13.05% | 14.18% | 9.20% |
| Unity Bank | $3.18B | Risk-based | 14.27% | 14.27% | 15.52% | 12.88% |
| Bank of Greene | $3.18B | Risk-based | 15.85% | 15.85% | 17.10% | 9.88% |
| Exchange Bank | $3.19B | Risk-based | 18.98% | 18.98% | 20.23% | 12.64% |
| First Citizens Community Bank | $3.19B | CBLR | NA | NA | NA | 9.64% |
| Amboy Bank | $3.12B | Risk-based | 14.75% | 14.75% | 16.00% | 12.19% |
| Peer 25th percentile | 12.95% | 12.95% | 14.14% | 9.87% | ||
| Peer median | 14.27% | 14.27% | 15.52% | 10.70% | ||
| Peer 75th percentile | 15.30% | 15.30% | 16.55% | 12.53% | ||
| This bank's percentile | 100 | 100 | 100 | 100 |
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/1176881/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.