Natbank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 54.18% (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: 54.18% (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 60.93% +54.43 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 | $86.4M | 86,403 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $141.8M | 141,815 | RCOAA223 |
| Recomputed ratio | 60.93% | numerator / denominator | |
| Filed ratio | 60.93% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +54.43 pp | $77.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 60.93% +52.93 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 | $86.4M | 86,403 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $141.8M | 141,815 | RCOAA223 |
| Recomputed ratio | 60.93% | numerator / denominator | |
| Filed ratio | 60.93% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +52.93 pp | $75.1M | capital that could be lost first |
Total risk-based capital ratio 62.18% +52.18 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 | $88.2M | 88,180 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $141.8M | 141,815 | RCOAA223 |
| Recomputed ratio | 62.18% | numerator / denominator | |
| Filed ratio | 62.18% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +52.18 pp | $74.0M | capital that could be lost first |
Tier 1 leverage ratio 29.81% +24.81 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 | $86.4M | 86,403 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $289.8M | 289,847 | RCOAA224 |
| Recomputed ratio | 29.81% | numerator / denominator | |
| Filed ratio | 29.81% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +24.81 pp | $71.9M | 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 | 74,400 | 74,400 | 74,400 | 34,400 | 34,400 | 34,400 | RCOAP742 |
| Retained earnings | 12,003 | 11,539 | 11,238 | 10,698 | 10,613 | 10,451 | RCOAKW00 |
| Accumulated other comprehensive income | (300) | (300) | (271) | (286) | (371) | (348) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 86,103 | 85,639 | 85,367 | 44,812 | 44,642 | 44,503 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 300 | 300 | 271 | 286 | 371 | 348 | P859 - P840 |
| Common equity Tier 1 capital | 86,403 | 85,939 | 85,638 | 45,098 | 45,013 | 44,851 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 86,403 | 85,939 | 85,638 | 45,098 | 45,013 | 44,851 | RCOA8274 |
| Tier 2 capital | 1,777 | 1,698 | 1,596 | 1,558 | 1,573 | 1,557 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,777 | 1,698 | 1,596 | 1,558 | 1,573 | 1,557 | RCOA5310 |
| Total capital | 88,180 | 87,637 | 87,234 | 46,656 | 46,586 | 46,408 | RCOA3792 |
| Total risk-weighted assets | 141,815 | 135,438 | 127,301 | 124,219 | 125,509 | 124,315 | RCOAA223 |
| Average total assets for the leverage ratio | 289,847 | 294,426 | 282,468 | 256,551 | 229,962 | 230,062 | 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 | $52.8M | $2.9M | 5.45% | 2.02% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $4.8M | $954K | 19.82% | 0.67% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $219.3M | $110.4M | 50.34% | 77.68% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $5K | $8K | 150.00% | 0.01% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $14.7M | $14.7M | 100.00% | 10.31% | RC-R Part II, item 4.d, 5.d |
| All other assets | $7.2M | $4.5M | 62.71% | 3.19% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $8.6M | $8.6M | 100.00% | 6.04% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $105K | $105K | 100.00% | 0.07% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1K | 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 | $142.2M | ties to item 31 ($142.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $142.2M | RCONB704 |
| Less: excess allowance for credit losses | $339K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $141.8M | 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 | 60.93% | 60.93% | 62.18% | 29.81% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 63.45% | 63.45% | 64.71% | 29.19% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 67.27% | 67.27% | 68.53% | 30.32% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 36.31% | 36.31% | 37.56% | 17.58% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 35.86% | 35.86% | 37.12% | 19.57% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 36.08% | 36.08% | 37.33% | 19.50% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 36.97% | 36.97% | 38.22% | 18.95% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 36.31% | 36.31% | 37.56% | 18.84% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 37.39% | 37.39% | 38.65% | 20.84% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 38.63% | 38.63% | 39.89% | 21.42% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 39.03% | 39.03% | 40.28% | 20.65% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 38.73% | 38.73% | 39.99% | 20.54% | 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 |
|---|---|---|---|---|---|---|
| Natbank, N.A. (this bank) | Risk-based | 60.93% | 60.93% | 62.18% | 29.81% | |
| Laona State Bank | $296.6M | CBLR | NA | NA | NA | 9.63% |
| First National Bank of Commerce | $296.6M | CBLR | NA | NA | NA | 10.65% |
| Brattleboro Savings & Loan Association | $296.4M | Risk-based | 15.93% | 15.93% | 17.09% | 10.25% |
| Bank of Forest | $296.3M | CBLR | NA | NA | NA | 10.91% |
| SSB Community Bank | $296.8M | Risk-based | 9.58% | 9.58% | 10.66% | 7.36% |
| RNB State Bank | $296.2M | Risk-based | 14.63% | 14.63% | 15.88% | 8.63% |
| United Bank | $296.0M | Risk-based | 13.43% | 13.43% | 14.69% | 10.66% |
| St. Johns Bank & Trust Company | $297.1M | CBLR | NA | NA | NA | 12.27% |
| State Bank | $295.8M | Risk-based | 10.54% | 10.54% | 11.41% | 9.23% |
| The Kaw Valley State Bank and Trust Company, of Wamego, Kansas | $295.8M | CBLR | NA | NA | NA | 11.73% |
| Peer 25th percentile | 10.54% | 10.54% | 11.41% | 9.33% | ||
| Peer median | 13.43% | 13.43% | 14.69% | 10.45% | ||
| Peer 75th percentile | 14.63% | 14.63% | 15.88% | 10.85% | ||
| 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/2233875/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.