MY Kind of Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.04% (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: 5.04% (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 11.89% +5.39 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 | $37.6M | 37,605 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $316.2M | 316,191 | RCOAA223 |
| Recomputed ratio | 11.89% | numerator / denominator | |
| Filed ratio | 11.89% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.39 pp | $17.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.89% +3.89 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 | $37.6M | 37,605 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $316.2M | 316,191 | RCOAA223 |
| Recomputed ratio | 11.89% | numerator / denominator | |
| Filed ratio | 11.89% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.89 pp | $12.3M | capital that could be lost first |
Total risk-based capital ratio 13.04% +3.04 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 | $41.2M | 41,235 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $316.2M | 316,191 | RCOAA223 |
| Recomputed ratio | 13.04% | numerator / denominator | |
| Filed ratio | 13.04% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.04 pp | $9.6M | capital that could be lost first |
Tier 1 leverage ratio 9.03% +4.03 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 | $37.6M | 37,605 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $416.4M | 416,443 | RCOAA224 |
| Recomputed ratio | 9.03% | numerator / denominator | |
| Filed ratio | 9.03% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.03 pp | $16.8M | 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 | 2,638 | 2,638 | 2,638 | 2,638 | 2,638 | 2,638 | RCOAP742 |
| Retained earnings | 38,836 | 38,572 | 37,143 | 36,371 | 35,695 | 35,464 | RCOAKW00 |
| Accumulated other comprehensive income | (7,467) | (8,307) | (7,038) | (8,122) | (9,541) | (10,855) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 34,007 | 32,903 | 32,743 | 30,887 | 28,792 | 27,247 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,598 | 4,359 | 3,011 | 4,015 | 5,355 | 6,590 | P859 - P840 |
| Common equity Tier 1 capital | 37,605 | 37,262 | 35,754 | 34,902 | 34,147 | 33,837 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 37,605 | 37,262 | 35,754 | 34,902 | 34,147 | 33,837 | RCOA8274 |
| Tier 2 capital | 3,630 | 3,428 | 3,232 | 3,381 | 3,238 | 3,155 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,630 | 3,428 | 3,232 | 3,381 | 3,238 | 3,155 | RCOA5310 |
| Total capital | 41,235 | 40,690 | 38,986 | 38,283 | 37,385 | 36,992 | RCOA3792 |
| Total risk-weighted assets | 316,191 | 316,616 | 298,765 | 296,282 | 293,545 | 279,337 | RCOAA223 |
| Average total assets for the leverage ratio | 416,443 | 412,401 | 407,014 | 395,227 | 383,988 | 375,352 | 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 | $9.7M | $457K | 4.71% | 0.14% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $88.8M | $17.5M | 19.77% | 5.55% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.0M | $202K | 20.00% | 0.06% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $130.4M | $83.0M | 63.63% | 26.24% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $2.5M | $3.8M | 150.00% | 1.21% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $181.7M | $175.4M | 96.52% | 55.46% | RC-R Part II, item 4.d, 5.d |
| All other assets | $13.7M | $13.4M | 98.29% | 4.25% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $14.5M | $14.5M | 100.00% | 4.58% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $7.9M | NA | 2.50% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $308.3M | does not tie to item 31 ($316.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $316.2M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $316.2M | 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 | 11.89% | 11.89% | 13.04% | 9.03% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.77% | 11.77% | 12.85% | 9.04% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.97% | 11.97% | 13.05% | 8.78% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.78% | 11.78% | 12.92% | 8.83% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.63% | 11.63% | 12.74% | 8.89% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.11% | 12.11% | 13.24% | 9.01% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.78% | 11.78% | 12.91% | 8.75% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.76% | 11.76% | 12.94% | 8.66% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.79% | 11.79% | 13.01% | 8.73% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.52% | 12.52% | 13.77% | 9.11% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 14.40% | 14.40% | 15.65% | 10.53% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.03% | 14.03% | 15.28% | 10.32% | 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 |
|---|---|---|---|---|---|---|
| MY Kind of Bank, N.A. (this bank) | Risk-based | 11.89% | 11.89% | 13.04% | 9.03% | |
| Farmers Trust & Savings Bank | $422.7M | CBLR | NA | NA | NA | 9.91% |
| Community Commerce Bank | $422.7M | Risk-based | 18.10% | 18.10% | 19.13% | 15.25% |
| Great Oaks Bank | $422.0M | Risk-based | 13.78% | 13.78% | 15.03% | 10.25% |
| Cattle Bank & Trust | $421.9M | CBLR | NA | NA | NA | 12.87% |
| First Federal Savings Bank | $421.9M | CBLR | NA | NA | NA | 10.69% |
| The Bank of Brodhead | $421.9M | CBLR | NA | NA | NA | 9.20% |
| Astra Bank | $423.3M | Risk-based | 13.11% | 13.11% | 13.92% | 9.27% |
| Union National Bank | $421.8M | Risk-based | 17.69% | 17.69% | 18.94% | 9.85% |
| River City Bank | $423.4M | Risk-based | 13.35% | 13.35% | 14.60% | 10.15% |
| Haddon Savings Bank | $421.4M | Risk-based | 12.44% | 12.44% | 12.99% | 8.28% |
| Peer 25th percentile | 13.17% | 13.17% | 14.09% | 9.42% | ||
| Peer median | 13.56% | 13.56% | 14.82% | 10.03% | ||
| Peer 75th percentile | 16.71% | 16.71% | 17.97% | 10.58% | ||
| This bank's percentile | 0 | 0 | 17 | 10 |
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/23456/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.