Nationwide Trust Company, FSB: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 133.82% (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: 133.82% (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 141.82% +135.32 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 | $60.5M | 60,541 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $42.7M | 42,689 | RCOAA223 |
| Recomputed ratio | 141.82% | numerator / denominator | |
| Filed ratio | 141.82% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +135.32 pp | $57.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 141.82% +133.82 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 | $60.5M | 60,541 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $42.7M | 42,689 | RCOAA223 |
| Recomputed ratio | 141.82% | numerator / denominator | |
| Filed ratio | 141.82% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +133.82 pp | $57.1M | capital that could be lost first |
Total risk-based capital ratio 141.82% +131.82 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 | $60.5M | 60,541 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $42.7M | 42,689 | RCOAA223 |
| Recomputed ratio | 141.82% | numerator / denominator | |
| Filed ratio | 141.82% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +131.82 pp | $56.3M | capital that could be lost first |
Tier 1 leverage ratio 36.89% +31.89 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 | $60.5M | 60,541 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $164.1M | 164,123 | RCOAA224 |
| Recomputed ratio | 36.89% | numerator / denominator | |
| Filed ratio | 36.89% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +31.89 pp | $52.3M | 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 | 32,973 | 32,973 | 32,973 | 32,973 | 32,973 | 32,973 | RCOAP742 |
| Retained earnings | 33,958 | 36,280 | 35,834 | 36,402 | 35,278 | 36,748 | RCOAKW00 |
| Accumulated other comprehensive income | (5,234) | (4,950) | (4,714) | (5,247) | (5,991) | (6,412) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 61,697 | 64,303 | 64,093 | 64,128 | 62,260 | 63,309 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,156) | (1,245) | (1,293) | (736) | (3,051) | (2,563) | P859 - P840 |
| Common equity Tier 1 capital | 60,541 | 63,058 | 62,800 | 63,392 | 59,209 | 60,746 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 60,541 | 63,058 | 62,800 | 63,392 | 59,209 | 60,746 | RCOA8274 |
| Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOA5311 |
| Allowance includable in Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOA5310 |
| Total capital | 60,541 | 63,058 | 62,800 | 63,392 | 59,209 | 60,746 | RCOA3792 |
| Total risk-weighted assets | 42,689 | 46,577 | 48,440 | 51,203 | 48,390 | 50,083 | RCOAA223 |
| Average total assets for the leverage ratio | 164,123 | 162,522 | 166,502 | 167,098 | 165,333 | 170,765 | 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 | $25.5M | $5.1M | 20.00% | 11.92% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $113.0M | $22.6M | 19.98% | 52.89% | RC-R Part II, item 2.a, 2.b |
| All other assets | $15.0M | $15.0M | 100.00% | 35.19% | RC-R Part II, item 8 |
| Market risk and other approaches | NA | -$200 | 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 | $42.7M | ties to item 31 ($42.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $42.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $42.7M | 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 | 141.82% | 141.82% | 141.82% | 36.89% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 135.38% | 135.38% | 135.38% | 38.80% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 129.64% | 129.64% | 129.64% | 37.72% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 123.81% | 123.81% | 123.81% | 37.94% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 122.36% | 122.36% | 122.36% | 35.81% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 121.29% | 121.29% | 121.29% | 35.57% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | NA | NA | NA | 37.32% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 98.52% | 98.52% | 98.52% | 32.31% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 95.00% | 95.00% | 95.00% | 31.11% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 91.23% | 91.23% | 91.23% | 31.35% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 89.99% | 89.99% | 89.99% | 30.63% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 85.98% | 85.98% | 85.98% | 28.60% | 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 |
|---|---|---|---|---|---|---|
| Nationwide Trust Company, FSB (this bank) | Risk-based | 141.82% | 141.82% | 141.82% | 36.89% | |
| First National Bank of Fort Stockton | $153.5M | CBLR | NA | NA | NA | 12.20% |
| Priority Bank | $153.4M | CBLR | NA | NA | NA | 10.52% |
| Bay Port State Bank | $153.4M | CBLR | NA | NA | NA | 10.89% |
| The Citizens National Bank of Woodsfield | $153.9M | Risk-based | 23.30% | 23.30% | 23.98% | 8.88% |
| American Heritage Bank | $153.2M | Risk-based | 18.55% | 18.55% | 19.80% | 11.09% |
| Citizens State Bank of Arlington | $153.2M | CBLR | NA | NA | NA | 11.74% |
| Heartland State Bank | $154.0M | CBLR | NA | NA | NA | 9.93% |
| Eastbank, N.A. | $153.0M | Risk-based | 29.85% | 29.85% | 31.11% | 22.99% |
| Lake Region Bank | $153.0M | Risk-based | 18.78% | 18.78% | 19.67% | 10.43% |
| Waldo State Bank | $154.2M | CBLR | NA | NA | NA | 10.28% |
| Peer 25th percentile | 18.72% | 18.72% | 19.77% | 10.32% | ||
| Peer median | 21.04% | 21.04% | 21.89% | 10.70% | ||
| Peer 75th percentile | 24.94% | 24.94% | 25.77% | 11.58% | ||
| 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/2729677/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.