Nave Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 17.83% (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: 17.83% (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 24.87% +18.37 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 | $71.0M | 71,013 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $285.5M | 285,543 | RCOAA223 |
| Recomputed ratio | 24.87% | numerator / denominator | |
| Filed ratio | 24.87% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +18.37 pp | $52.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 24.87% +16.87 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 | $71.0M | 71,013 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $285.5M | 285,543 | RCOAA223 |
| Recomputed ratio | 24.87% | numerator / denominator | |
| Filed ratio | 24.87% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +16.87 pp | $48.2M | capital that could be lost first |
Total risk-based capital ratio 25.83% +15.83 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 | $73.7M | 73,747 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $285.5M | 285,543 | RCOAA223 |
| Recomputed ratio | 25.83% | numerator / denominator | |
| Filed ratio | 25.83% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +15.83 pp | $45.2M | capital that could be lost first |
Tier 1 leverage ratio 13.84% +8.84 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 | $71.0M | 71,013 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $513.3M | 513,261 | RCOAA224 |
| Recomputed ratio | 13.84% | numerator / denominator | |
| Filed ratio | 13.84% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.84 pp | $45.4M | 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 | 122,148 | 121,946 | 121,745 | 121,543 | 121,341 | 121,139 | RCOAP742 |
| Retained earnings | (51,135) | (50,872) | (49,961) | (48,988) | (46,827) | (44,268) | RCOAKW00 |
| Accumulated other comprehensive income | (335) | (188) | 435 | 367 | 46 | (34) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 70,678 | 70,886 | 72,219 | 72,922 | 74,560 | 76,837 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 335 | 188 | (435) | (367) | (46) | 34 | P859 - P840 |
| Common equity Tier 1 capital | 71,013 | 71,074 | 71,784 | 72,555 | 74,514 | 76,871 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 71,013 | 71,074 | 71,784 | 72,555 | 74,514 | 76,871 | RCOA8274 |
| Tier 2 capital | 2,734 | 1,343 | 1,980 | 1,476 | 1,101 | 488 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,734 | 1,343 | 1,980 | 1,476 | 1,101 | 488 | RCOA5310 |
| Total capital | 73,747 | 72,417 | 73,764 | 74,031 | 75,615 | 77,359 | RCOA3792 |
| Total risk-weighted assets | 285,543 | 226,912 | 201,865 | 159,598 | 124,689 | 59,830 | RCOAA223 |
| Average total assets for the leverage ratio | 513,261 | 439,195 | 338,990 | 283,083 | 231,082 | 235,060 | 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 | $190.6M | $1.1M | 0.59% | 0.39% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $80.1M | $5.9M | 7.40% | 2.08% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $55.6M | $27.8M | 50.00% | 9.74% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $220.6M | $220.6M | 100.00% | 77.24% | RC-R Part II, item 4.d, 5.d |
| All other assets | $10.8M | $7.9M | 73.33% | 2.77% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $22.2M | $22.2M | 100.00% | 7.78% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | -$400 | 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 | $285.5M | ties to item 31 ($285.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $285.5M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $285.5M | 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 | 24.87% | 24.87% | 25.83% | 13.84% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 31.32% | 31.32% | 31.91% | 16.18% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 35.56% | 35.56% | 36.54% | 21.18% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 45.46% | 45.46% | 46.39% | 25.63% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 59.76% | 59.76% | 60.64% | 32.25% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 128.48% | 128.48% | 129.30% | 32.70% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | NA | NA | NA | 33.03% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | NA | NA | NA | 36.86% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | NA | NA | NA | 45.18% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | NA | NA | NA | 71.42% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | NA | NA | NA | 93.30% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | NA | NA | NA | 96.16% | 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 |
|---|---|---|---|---|---|---|
| Nave Bank (this bank) | Risk-based | 24.87% | 24.87% | 25.83% | 13.84% | |
| Luminate Bank | $554.5M | Risk-based | 12.73% | 12.73% | 13.79% | 10.40% |
| Texas Traditions Bank | $555.9M | CBLR | NA | NA | NA | 9.39% |
| Eastern Michigan Bank | $553.6M | Risk-based | 19.57% | 19.57% | 20.29% | 11.99% |
| Community Resource Bank | $556.4M | Risk-based | 13.97% | 13.97% | 15.22% | 10.52% |
| First Federal Savings Bank | $553.6M | CBLR | NA | NA | NA | 10.46% |
| Community State Bank | $553.6M | Risk-based | 13.34% | 13.34% | 14.59% | 9.51% |
| National Bank of Middlebury | $553.5M | Risk-based | 17.00% | 17.00% | 17.42% | 9.86% |
| Mountain Valley Bank | $556.5M | CBLR | NA | NA | NA | 10.51% |
| Sunmark Community Bank | $556.6M | CBLR | NA | NA | NA | 14.61% |
| Peer 25th percentile | 13.34% | 13.34% | 14.59% | 9.86% | ||
| Peer median | 13.97% | 13.97% | 15.22% | 10.46% | ||
| Peer 75th percentile | 17.00% | 17.00% | 17.42% | 10.52% | ||
| This bank's percentile | 100 | 100 | 100 | 89 |
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/5686089/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.