North American Savings Bank, FSB: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 10.74% (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: 10.74% (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 17.49% +10.99 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 | $447.7M | 447,660 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.56B | 2,559,293 | RCOAA223 |
| Recomputed ratio | 17.49% | numerator / denominator | |
| Filed ratio | 17.49% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.99 pp | $281.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 17.49% +9.49 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 | $447.7M | 447,660 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.56B | 2,559,293 | RCOAA223 |
| Recomputed ratio | 17.49% | numerator / denominator | |
| Filed ratio | 17.49% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +9.49 pp | $242.9M | capital that could be lost first |
Total risk-based capital ratio 18.74% +8.74 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 | $479.5M | 479,502 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.56B | 2,559,293 | RCOAA223 |
| Recomputed ratio | 18.74% | numerator / denominator | |
| Filed ratio | 18.74% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +8.74 pp | $223.6M | capital that could be lost first |
Tier 1 leverage ratio 14.21% +9.21 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 | $447.7M | 447,660 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.15B | 3,150,180 | RCOAA224 |
| Recomputed ratio | 14.21% | numerator / denominator | |
| Filed ratio | 14.21% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +9.21 pp | $290.1M | 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 | 69,709 | 69,579 | 69,452 | 69,339 | 69,229 | 69,148 | RCOAP742 |
| Retained earnings | 382,100 | 374,032 | 367,101 | 361,254 | 357,493 | 352,371 | RCOAKW00 |
| Accumulated other comprehensive income | (12,713) | (12,244) | (10,920) | (10,771) | (14,550) | (12,729) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 439,096 | 431,367 | 425,633 | 419,822 | 412,172 | 408,790 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 8,564 | 8,066 | 6,713 | 6,536 | 10,286 | 8,436 | P859 - P840 |
| Common equity Tier 1 capital | 447,660 | 439,433 | 432,346 | 426,358 | 422,458 | 417,226 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 447,660 | 439,433 | 432,346 | 426,358 | 422,458 | 417,226 | RCOA8274 |
| Tier 2 capital | 31,842 | 31,242 | 28,107 | 25,919 | 27,010 | 25,682 | RCOA5311 |
| Allowance includable in Tier 2 capital | 31,842 | 31,242 | 28,107 | 25,919 | 27,010 | 25,682 | RCOA5310 |
| Total capital | 479,502 | 470,675 | 460,453 | 452,277 | 449,468 | 442,908 | RCOA3792 |
| Total risk-weighted assets | 2,559,293 | 2,498,877 | 2,244,930 | 2,067,662 | 2,155,999 | 2,048,869 | RCOAA223 |
| Average total assets for the leverage ratio | 3,150,180 | 3,076,536 | 2,960,884 | 2,937,744 | 2,984,589 | 2,996,045 | 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 | $89.4M | $755K | 0.84% | 0.03% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $641.8M | $539.3M | 84.03% | 21.07% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $225.0M | $225.0M | 100.00% | 8.79% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $1.63B | $825.3M | 50.53% | 32.25% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $135.8M | $203.7M | 150.00% | 7.96% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $415.8M | $415.6M | 99.95% | 16.24% | RC-R Part II, item 4.d, 5.d |
| All other assets | $99.8M | $94.8M | 95.05% | 3.70% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $260.5M | $254.8M | 97.80% | 9.96% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1K | 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 | $2.56B | ties to item 31 ($2.56B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.56B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.56B | 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 | 17.49% | 17.49% | 18.74% | 14.21% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 17.59% | 17.59% | 18.84% | 14.28% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 19.26% | 19.26% | 20.51% | 14.60% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 20.62% | 20.62% | 21.87% | 14.51% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 19.59% | 19.59% | 20.85% | 14.15% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 20.36% | 20.36% | 21.62% | 13.93% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 20.45% | 20.45% | 21.71% | 14.24% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 22.03% | 22.03% | 23.28% | 13.87% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 21.63% | 21.63% | 22.89% | 14.22% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 23.42% | 23.42% | 24.67% | 14.56% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 24.52% | 24.52% | 25.77% | 15.30% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 25.01% | 25.01% | 26.27% | 14.96% | 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 |
|---|---|---|---|---|---|---|
| North American Savings Bank, FSB (this bank) | Risk-based | 17.49% | 17.49% | 18.74% | 14.21% | |
| U.S. Bank Trust Company, N.A. | $3.21B | Risk-based | 409.95% | 409.95% | 409.95% | 98.64% |
| First Citizens Community Bank | $3.19B | CBLR | NA | NA | NA | 9.64% |
| Exchange Bank | $3.19B | Risk-based | 18.98% | 18.98% | 20.23% | 12.64% |
| Bank of Greene | $3.18B | Risk-based | 15.85% | 15.85% | 17.10% | 9.88% |
| Unity Bank | $3.18B | Risk-based | 14.27% | 14.27% | 15.52% | 12.88% |
| First National Bank | $3.18B | Risk-based | 13.05% | 13.05% | 14.18% | 9.20% |
| 1st Security Bank of Washington | $3.18B | Risk-based | 12.84% | 12.84% | 14.01% | 11.44% |
| Academy Bank, N.A. | $3.23B | Risk-based | 17.02% | 17.02% | 18.27% | 14.35% |
| Star Financial Bank | $3.23B | Risk-based | 14.27% | 14.27% | 15.21% | 10.33% |
| Bank of Guam | $3.24B | Risk-based | 14.01% | 14.01% | 15.27% | 8.34% |
| Peer 25th percentile | 14.01% | 14.01% | 15.21% | 9.70% | ||
| Peer median | 14.27% | 14.27% | 15.52% | 10.88% | ||
| Peer 75th percentile | 17.02% | 17.02% | 18.27% | 12.82% | ||
| This bank's percentile | 78 | 78 | 78 | 80 |
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/211271/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.