The National Bank of Indianapolis: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.47% (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: 4.47% (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 11.42% +4.92 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 | $286.1M | 286,121 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.50B | 2,504,395 | RCOAA223 |
| Recomputed ratio | 11.42% | numerator / denominator | |
| Filed ratio | 11.42% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.92 pp | $123.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.42% +3.42 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 | $286.1M | 286,121 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.50B | 2,504,395 | RCOAA223 |
| Recomputed ratio | 11.42% | numerator / denominator | |
| Filed ratio | 11.42% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.42 pp | $85.8M | capital that could be lost first |
Total risk-based capital ratio 12.47% +2.47 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 | $312.3M | 312,304 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.50B | 2,504,395 | RCOAA223 |
| Recomputed ratio | 12.47% | numerator / denominator | |
| Filed ratio | 12.47% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.47 pp | $61.9M | capital that could be lost first |
Tier 1 leverage ratio 9.29% +4.29 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 | $286.1M | 286,121 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.08B | 3,079,318 | RCOAA224 |
| Recomputed ratio | 9.29% | numerator / denominator | |
| Filed ratio | 9.29% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.29 pp | $132.2M | 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 | 43,050 | 43,050 | 43,050 | 43,050 | 43,050 | 43,050 | RCOAP742 |
| Retained earnings | 243,071 | 235,798 | 230,583 | 227,939 | 222,217 | 215,906 | RCOAKW00 |
| Accumulated other comprehensive income | (48,576) | (46,400) | (45,684) | (48,619) | (53,576) | (57,511) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 237,545 | 232,448 | 227,949 | 222,370 | 211,691 | 201,445 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 48,576 | 46,400 | 45,684 | 48,619 | 53,576 | 57,511 | P859 - P840 |
| Common equity Tier 1 capital | 286,121 | 278,848 | 273,633 | 270,989 | 265,267 | 258,956 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 286,121 | 278,848 | 273,633 | 270,989 | 265,267 | 258,956 | RCOA8274 |
| Tier 2 capital | 26,183 | 26,542 | 26,315 | 25,339 | 24,915 | 24,112 | RCOA5311 |
| Allowance includable in Tier 2 capital | 26,183 | 26,542 | 26,315 | 25,339 | 24,915 | 24,112 | RCOA5310 |
| Total capital | 312,304 | 305,390 | 299,948 | 296,328 | 290,182 | 283,068 | RCOA3792 |
| Total risk-weighted assets | 2,504,395 | 2,454,214 | 2,371,762 | 2,321,631 | 2,247,194 | 2,200,977 | RCOAA223 |
| Average total assets for the leverage ratio | 3,079,318 | 3,115,253 | 3,069,028 | 2,935,777 | 3,065,786 | 3,055,365 | 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 | $225.6M | $5.4M | 2.39% | 0.22% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $585.1M | $72.1M | 12.32% | 2.88% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $4.0M | $803K | 20.00% | 0.03% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $577.7M | $418.3M | 72.41% | 16.70% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $26.9M | $40.4M | 150.00% | 1.61% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $1.54B | $1.54B | 99.58% | 61.34% | RC-R Part II, item 4.d, 5.d |
| Trading assets | $2.1M | $2.1M | 100.00% | 0.08% | RC-R Part II, item 7 |
| All other assets | $131.6M | $154.9M | 117.76% | 6.19% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $248.3M | $247.1M | 99.49% | 9.86% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $4.6M | $2.3M | 50.00% | 0.09% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $24.8M | NA | 0.99% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.48B | ties to item 31 ($2.48B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.50B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.50B | 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 | 11.42% | 11.42% | 12.47% | 9.29% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.36% | 11.36% | 12.44% | 8.95% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.54% | 11.54% | 12.65% | 8.92% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.67% | 11.67% | 12.76% | 9.23% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.80% | 11.80% | 12.91% | 8.65% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.77% | 11.77% | 12.86% | 8.48% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.72% | 11.72% | 12.84% | 8.33% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.12% | 13.12% | 14.32% | 9.24% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.94% | 12.94% | 14.14% | 8.96% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.82% | 12.82% | 14.03% | 9.07% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.85% | 12.85% | 14.04% | 8.83% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.02% | 13.02% | 14.26% | 9.20% | 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 |
|---|---|---|---|---|---|---|
| The National Bank of Indianapolis (this bank) | Risk-based | 11.42% | 11.42% | 12.47% | 9.29% | |
| Mascoma Bank | $3.03B | Risk-based | 12.01% | 12.01% | 12.87% | 9.09% |
| Lawrence Bank | $3.04B | Risk-based | 12.86% | 12.86% | 13.77% | 9.78% |
| The Bank of Tampa | $3.02B | Risk-based | 14.52% | 14.52% | 15.77% | 10.97% |
| U.S. Century Bank | $3.02B | Risk-based | 12.48% | 12.48% | 13.68% | 9.97% |
| Southern Bancorp Bank | $3.01B | CBLR | NA | NA | NA | 11.85% |
| BankNewport | $3.07B | Risk-based | 12.70% | 12.70% | 13.62% | 10.58% |
| Guaranty Bank and Trust Company | $3.07B | CBLR | NA | NA | NA | 10.42% |
| Midwest Bankcentre | $3.07B | Risk-based | 13.54% | 13.54% | 14.79% | 12.15% |
| CB&S Bank, Inc. | $3.07B | CBLR | NA | NA | NA | 10.42% |
| Penn Community Bank | $3.07B | Risk-based | 16.17% | 16.17% | 17.19% | 12.68% |
| Peer 25th percentile | 12.59% | 12.59% | 13.65% | 10.08% | ||
| Peer median | 12.86% | 12.86% | 13.77% | 10.50% | ||
| Peer 75th percentile | 14.03% | 14.03% | 15.28% | 11.63% | ||
| This bank's percentile | 0 | 0 | 0 | 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/2132941/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.