New Omni Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 25.90% (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 CET1. The bank clears the requirement. Filed figure: 25.90% (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 30.40% +23.90 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 | $97.9M | 97,899 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $322.0M | 322,015 | RCOAA223 |
| Recomputed ratio | 30.40% | numerator / denominator | |
| Filed ratio | 30.40% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +23.90 pp | $77.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 43.31% +35.31 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 | $139.5M | 139,462 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $322.0M | 322,015 | RCOAA223 |
| Recomputed ratio | 43.31% | numerator / denominator | |
| Filed ratio | 43.31% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +35.31 pp | $113.7M | capital that could be lost first |
Total risk-based capital ratio 44.57% +34.57 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 | $143.5M | 143,517 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $322.0M | 322,015 | RCOAA223 |
| Recomputed ratio | 44.57% | numerator / denominator | |
| Filed ratio | 44.57% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +34.57 pp | $111.3M | capital that could be lost first |
Tier 1 leverage ratio 27.11% +22.11 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 | $139.5M | 139,462 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $514.3M | 514,344 | RCOAA224 |
| Recomputed ratio | 27.11% | numerator / denominator | |
| Filed ratio | 27.11% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +22.11 pp | $113.7M | 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 | 45,666 | 42,335 | 36,580 | 36,555 | 36,482 | 35,684 | RCOAP742 |
| Retained earnings | 52,912 | 55,516 | 55,165 | 54,666 | 53,516 | 57,043 | RCOAKW00 |
| Accumulated other comprehensive income | (253) | (248) | (241) | (230) | (236) | (234) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 98,325 | 97,603 | 91,504 | 90,991 | 89,762 | 92,493 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (426) | (612) | (644) | (903) | (981) | (1,044) | P859 - P840 |
| Common equity Tier 1 capital | 97,899 | 96,991 | 90,860 | 90,088 | 88,781 | 91,449 | RCOAP859 |
| Additional Tier 1 capital | 41,563 | 41,563 | 41,563 | 41,563 | 41,563 | 41,563 | RCOAP865 |
| Tier 1 capital | 139,462 | 138,554 | 132,423 | 131,651 | 130,344 | 133,012 | RCOA8274 |
| Tier 2 capital | 4,055 | 4,154 | 4,078 | 4,222 | 3,888 | 3,889 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,055 | 4,154 | 4,078 | 4,222 | 3,888 | 3,889 | RCOA5310 |
| Total capital | 143,517 | 142,708 | 136,501 | 135,873 | 134,232 | 136,901 | RCOA3792 |
| Total risk-weighted assets | 322,015 | 330,008 | 323,949 | 335,562 | 308,886 | 308,909 | RCOAA223 |
| Average total assets for the leverage ratio | 514,344 | 517,104 | 524,693 | 518,017 | 522,230 | 532,316 | 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 | $111.4M | $143K | 0.13% | 0.04% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $2.0M | $95K | 4.71% | 0.03% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $209.4M | $110.3M | 52.67% | 33.99% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $24.0M | $36.0M | 150.00% | 11.09% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $151.2M | $140.3M | 92.80% | 43.24% | RC-R Part II, item 4.d, 5.d |
| All other assets | $26.6M | $21.8M | 81.83% | 6.72% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $15.8M | $15.8M | 100.00% | 4.88% | 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 | $324.4M | ties to item 31 ($324.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $324.4M | RCONB704 |
| Less: excess allowance for credit losses | $2.4M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $322.0M | 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 | 30.40% | 43.31% | 44.57% | 27.11% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 29.39% | 41.98% | 43.24% | 26.79% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 28.05% | 40.88% | 42.14% | 25.24% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 26.85% | 39.23% | 40.49% | 25.41% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 28.74% | 42.20% | 43.46% | 24.96% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 29.60% | 43.06% | 44.32% | 24.99% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 28.74% | 41.92% | 43.18% | 24.57% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 28.63% | 41.98% | 43.23% | 24.90% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 30.19% | 44.33% | 45.58% | 25.51% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 29.99% | 43.68% | 44.94% | 24.52% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 30.36% | 44.45% | 45.70% | 24.52% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 30.40% | 44.82% | 46.08% | 23.65% | 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 Omni Bank, N.A. (this bank) | Risk-based | 30.40% | 43.31% | 44.57% | 27.11% | |
| The Brenham National Bank | $517.7M | Risk-based | 17.11% | 17.11% | 18.10% | 11.76% |
| Armor Bank | $516.9M | CBLR | NA | NA | NA | 9.40% |
| Central Savings Bank | $516.8M | Risk-based | 14.54% | 14.54% | 15.76% | 9.54% |
| Chino Commercial Bank, N.A. | $516.7M | CBLR | NA | NA | NA | 12.51% |
| Connections Bank | $516.6M | CBLR | NA | NA | NA | 9.80% |
| State Bank of Chilton | $516.5M | CBLR | NA | NA | NA | 12.75% |
| Powell Valley National Bank | $516.5M | Risk-based | 13.76% | 13.76% | 15.01% | 10.67% |
| State Bank of De Kalb | $519.9M | CBLR | NA | NA | NA | 12.17% |
| First Credit Bank | $515.8M | Risk-based | 47.79% | 47.79% | 49.05% | 47.61% |
| Peer 25th percentile | 14.34% | 14.34% | 15.58% | 9.80% | ||
| Peer median | 15.82% | 15.82% | 16.93% | 11.76% | ||
| Peer 75th percentile | 24.78% | 24.78% | 25.83% | 12.51% | ||
| This bank's percentile | 75 | 75 | 75 | 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/300063/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.