NBKC Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 15.30% (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: 15.30% (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 22.05% +15.55 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 | $213.3M | 213,316 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $967.5M | 967,549 | RCOAA223 |
| Recomputed ratio | 22.05% | numerator / denominator | |
| Filed ratio | 22.05% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +15.55 pp | $150.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 22.05% +14.05 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 | $213.3M | 213,316 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $967.5M | 967,549 | RCOAA223 |
| Recomputed ratio | 22.05% | numerator / denominator | |
| Filed ratio | 22.05% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +14.05 pp | $135.9M | capital that could be lost first |
Total risk-based capital ratio 23.30% +13.30 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 | $225.4M | 225,425 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $967.5M | 967,549 | RCOAA223 |
| Recomputed ratio | 23.30% | numerator / denominator | |
| Filed ratio | 23.30% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +13.30 pp | $128.7M | capital that could be lost first |
Tier 1 leverage ratio 17.13% +12.13 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 | $213.3M | 213,316 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.25B | 1,245,228 | RCOAA224 |
| Recomputed ratio | 17.13% | numerator / denominator | |
| Filed ratio | 17.13% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +12.13 pp | $151.1M | 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 | 47,294 | 47,294 | 47,294 | 47,294 | 47,294 | 47,294 | RCOAP742 |
| Retained earnings | 166,022 | 162,559 | 158,249 | 155,991 | 152,131 | 142,738 | RCOAKW00 |
| Accumulated other comprehensive income | (4,300) | (3,954) | (3,247) | (3,813) | (4,204) | (4,822) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 209,016 | 205,899 | 202,296 | 199,472 | 195,221 | 185,210 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,300 | 3,954 | 3,247 | 3,813 | 4,204 | 4,822 | P859 - P840 |
| Common equity Tier 1 capital | 213,316 | 209,853 | 205,543 | 203,285 | 199,425 | 190,032 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 213,316 | 209,853 | 205,543 | 203,285 | 199,425 | 190,032 | RCOA8274 |
| Tier 2 capital | 12,109 | 11,755 | 11,542 | 11,005 | 10,681 | 10,452 | RCOA5311 |
| Allowance includable in Tier 2 capital | 12,109 | 11,755 | 11,542 | 11,005 | 10,681 | 10,452 | RCOA5310 |
| Total capital | 225,425 | 221,608 | 217,085 | 214,290 | 210,106 | 200,484 | RCOA3792 |
| Total risk-weighted assets | 967,549 | 938,781 | 921,615 | 878,290 | 852,482 | 834,429 | RCOAA223 |
| Average total assets for the leverage ratio | 1,245,228 | 1,209,186 | 1,231,032 | 1,135,214 | 1,137,204 | 1,104,896 | 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 | $73.9M | $4.2M | 5.73% | 0.44% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $141.3M | $22.7M | 16.03% | 2.34% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $483.2M | $243.6M | 50.40% | 25.14% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $525K | $788K | 150.00% | 0.08% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $431.8M | $416.0M | 96.33% | 42.94% | RC-R Part II, item 4.d, 5.d |
| All other assets | $123.8M | $187.3M | 151.29% | 19.33% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $2.5M | $31.2M | 1250.00% | 3.22% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $54.2M | $54.1M | 99.83% | 5.59% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $109K | $109K | 100.00% | 0.01% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $8.7M | NA | 0.90% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $960.0M | ties to item 31 ($960.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $968.7M | RCONB704 |
| Less: excess allowance for credit losses | $1.1M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $967.5M | 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 | 22.05% | 22.05% | 23.30% | 17.13% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 22.35% | 22.35% | 23.61% | 17.35% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 22.30% | 22.30% | 23.55% | 16.70% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 23.15% | 23.15% | 24.40% | 17.91% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 23.39% | 23.39% | 24.65% | 17.54% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 22.77% | 22.77% | 24.03% | 17.20% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 22.47% | 22.47% | 23.72% | 16.51% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 24.07% | 24.07% | 25.33% | 18.78% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 23.85% | 23.85% | 25.10% | 17.76% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 24.74% | 24.74% | 25.99% | 17.65% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 25.46% | 25.46% | 26.71% | 17.99% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 26.25% | 26.25% | 27.50% | 17.59% | 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 |
|---|---|---|---|---|---|---|
| NBKC Bank (this bank) | Risk-based | 22.05% | 22.05% | 23.30% | 17.13% | |
| First State Bank | $1.24B | Risk-based | 17.38% | 17.38% | 18.48% | 10.47% |
| University Bank | $1.24B | CBLR | NA | NA | NA | 10.08% |
| Firstar Bank | $1.24B | Risk-based | 12.64% | 12.64% | 13.70% | 9.03% |
| Midwest Bank | $1.24B | CBLR | NA | NA | NA | 9.40% |
| Bank of Central Florida | $1.25B | Risk-based | 12.53% | 12.53% | 13.55% | 8.75% |
| Platte Valley Bank | $1.25B | CBLR | NA | NA | NA | 9.54% |
| Wood & Huston Bank | $1.23B | Risk-based | 13.34% | 13.34% | 14.57% | 11.55% |
| Dayspring Bank | $1.23B | CBLR | NA | NA | NA | 10.71% |
| Peoples Bank | $1.25B | CBLR | NA | NA | NA | 10.73% |
| Peer 25th percentile | 12.61% | 12.61% | 13.66% | 9.40% | ||
| Peer median | 12.99% | 12.99% | 14.14% | 10.08% | ||
| Peer 75th percentile | 14.35% | 14.35% | 15.55% | 10.71% | ||
| 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/2747587/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.