New Albin Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 32.67% (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: 32.67% (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 39.92% +33.42 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 | $54.9M | 54,858 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $137.4M | 137,434 | RCOAA223 |
| Recomputed ratio | 39.92% | numerator / denominator | |
| Filed ratio | 39.92% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +33.42 pp | $45.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 39.92% +31.92 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 | $54.9M | 54,858 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $137.4M | 137,434 | RCOAA223 |
| Recomputed ratio | 39.92% | numerator / denominator | |
| Filed ratio | 39.92% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +31.92 pp | $43.9M | capital that could be lost first |
Total risk-based capital ratio 40.67% +30.67 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 | $55.9M | 55,900 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $137.4M | 137,434 | RCOAA223 |
| Recomputed ratio | 40.67% | numerator / denominator | |
| Filed ratio | 40.67% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +30.67 pp | $42.2M | capital that could be lost first |
Tier 1 leverage ratio 15.53% +10.53 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 | $54.9M | 54,858 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $353.3M | 353,328 | RCOAA224 |
| Recomputed ratio | 15.53% | numerator / denominator | |
| Filed ratio | 15.53% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +10.53 pp | $37.2M | 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 | 437 | 1,300 | 1,300 | 1,300 | 1,300 | 1,300 | RCOAP742 |
| Retained earnings | 54,421 | 53,486 | 52,610 | 53,182 | 52,428 | 51,694 | RCOAKW00 |
| Accumulated other comprehensive income | (2,929) | (3,228) | (2,178) | (3,068) | (4,959) | (5,194) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 51,929 | 51,558 | 51,732 | 51,414 | 48,769 | 47,800 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,929 | 3,228 | 2,178 | 3,068 | 4,959 | 5,194 | P859 - P840 |
| Common equity Tier 1 capital | 54,858 | 54,786 | 53,910 | 54,482 | 53,728 | 52,994 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 54,858 | 54,786 | 53,910 | 54,482 | 53,728 | 52,994 | RCOA8274 |
| Tier 2 capital | 1,042 | 1,041 | 1,040 | 1,039 | 1,048 | 1,050 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,042 | 1,041 | 1,040 | 1,039 | 1,048 | 1,050 | RCOA5310 |
| Total capital | 55,900 | 55,827 | 54,950 | 55,521 | 54,776 | 54,044 | RCOA3792 |
| Total risk-weighted assets | 137,434 | 137,058 | 133,043 | 132,081 | 129,070 | 127,862 | RCOAA223 |
| Average total assets for the leverage ratio | 353,328 | 347,854 | 343,913 | 342,738 | 341,610 | 333,133 | 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 | $1.4M | $119K | 8.48% | 0.09% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $230.5M | $38.8M | 16.85% | 28.27% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $52.8M | $27.8M | 52.55% | 20.20% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $65.6M | $65.6M | 100.00% | 47.76% | RC-R Part II, item 4.d, 5.d |
| All other assets | $5.1M | $3.4M | 65.79% | 2.44% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.8M | $1.7M | 93.18% | 1.24% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $300 | 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 | $137.4M | ties to item 31 ($137.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $137.4M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $137.4M | 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 | 39.92% | 39.92% | 40.67% | 15.53% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 39.97% | 39.97% | 40.73% | 15.75% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 40.52% | 40.52% | 41.30% | 15.68% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 41.25% | 41.25% | 42.04% | 15.90% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 41.63% | 41.63% | 42.44% | 15.73% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 41.45% | 41.45% | 42.27% | 15.91% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 40.96% | 40.96% | 41.78% | 15.84% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 42.95% | 42.95% | 43.80% | 16.19% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 42.18% | 42.18% | 43.02% | 16.11% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 42.29% | 42.29% | 43.15% | 16.04% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 42.17% | 42.17% | 43.03% | 15.96% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 42.06% | 42.06% | 42.91% | 16.39% | 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 |
|---|---|---|---|---|---|---|
| New Albin Savings Bank (this bank) | Risk-based | 39.92% | 39.92% | 40.67% | 15.53% | |
| Western Bank, Artesia, New Mexico | $350.5M | Risk-based | 15.80% | 15.80% | 16.77% | 11.14% |
| Cowboy Bank | $350.3M | CBLR | NA | NA | NA | 12.72% |
| CLB the Community Bank | $350.9M | CBLR | NA | NA | NA | 11.36% |
| Today's Bank | $351.0M | Risk-based | 13.81% | 13.81% | 15.06% | 9.54% |
| Sherburne Bank | $351.1M | Risk-based | 10.24% | 10.24% | 11.49% | 9.46% |
| Kirkwood Bank and Trust Company | $351.3M | CBLR | NA | NA | NA | 9.91% |
| 1st Trust Bank, Inc. | $351.7M | CBLR | NA | NA | NA | 9.65% |
| Firststate Bank | $349.4M | CBLR | NA | NA | NA | 11.14% |
| The Bank of Herrin | $349.2M | Risk-based | 12.36% | 12.36% | 13.31% | 8.81% |
| Frontier Bank | $349.2M | Risk-based | 11.28% | 11.28% | 12.32% | 8.76% |
| Peer 25th percentile | 11.28% | 11.28% | 12.32% | 9.48% | ||
| Peer median | 12.36% | 12.36% | 13.31% | 9.78% | ||
| Peer 75th percentile | 13.81% | 13.81% | 15.06% | 11.14% | ||
| 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/234841/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.