Northbrook Bank & Trust Company, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.84% (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: 3.84% (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 11.16% +4.66 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 | $555.0M | 554,955 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.97B | 4,972,130 | RCOAA223 |
| Recomputed ratio | 11.16% | numerator / denominator | |
| Filed ratio | 11.16% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.66 pp | $231.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.16% +3.16 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 | $555.0M | 554,955 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.97B | 4,972,130 | RCOAA223 |
| Recomputed ratio | 11.16% | numerator / denominator | |
| Filed ratio | 11.16% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.16 pp | $157.2M | capital that could be lost first |
Total risk-based capital ratio 11.84% +1.84 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 | $588.7M | 588,675 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.97B | 4,972,130 | RCOAA223 |
| Recomputed ratio | 11.84% | numerator / denominator | |
| Filed ratio | 11.84% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.84 pp | $91.5M | capital that could be lost first |
Tier 1 leverage ratio 9.38% +4.38 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 | $555.0M | 554,955 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $5.92B | 5,915,987 | RCOAA224 |
| Recomputed ratio | 9.38% | numerator / denominator | |
| Filed ratio | 9.38% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.38 pp | $259.2M | 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 | 157,347 | 157,097 | 156,864 | 156,714 | 156,492 | 156,283 | RCOAP742 |
| Retained earnings | 412,319 | 388,297 | 382,352 | 376,686 | 357,352 | 353,159 | RCOAKW00 |
| Accumulated other comprehensive income | (38,140) | (32,321) | (24,881) | (26,186) | (32,475) | (35,854) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 531,526 | 513,073 | 514,335 | 507,214 | 481,369 | 473,588 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 23,429 | 17,501 | 9,952 | 11,123 | 17,266 | 20,500 | P859 - P840 |
| Common equity Tier 1 capital | 554,955 | 530,574 | 524,287 | 518,337 | 498,635 | 494,088 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 554,955 | 530,574 | 524,287 | 518,337 | 498,635 | 494,088 | RCOA8274 |
| Tier 2 capital | 33,720 | 34,391 | 30,457 | 34,494 | 30,722 | 29,336 | RCOA5311 |
| Allowance includable in Tier 2 capital | 33,720 | 34,391 | 30,457 | 34,494 | 30,722 | 29,336 | RCOA5310 |
| Total capital | 588,675 | 564,965 | 554,744 | 552,831 | 529,357 | 523,424 | RCOA3792 |
| Total risk-weighted assets | 4,972,130 | 4,939,063 | 4,699,181 | 4,611,744 | 4,653,635 | 4,437,339 | RCOAA223 |
| Average total assets for the leverage ratio | 5,915,987 | 5,665,645 | 5,428,502 | 5,400,313 | 5,237,791 | 5,168,820 | 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 | $882.2M | $5.4M | 0.61% | 0.11% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $919.9M | $187.0M | 20.33% | 3.76% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $4K | $800 | 20.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $450.7M | $234.5M | 52.03% | 4.72% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $2.5M | $3.7M | 150.00% | 0.07% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $11.2M | $16.9M | 150.00% | 0.34% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $4.00B | $3.97B | 99.42% | 79.89% | RC-R Part II, item 4.d, 5.d |
| All other assets | $144.0M | $113.0M | 78.47% | 2.27% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $436.4M | $434.3M | 99.51% | 8.73% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $16.7M | $3.8M | 22.41% | 0.08% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1.3M | NA | 0.03% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $4.97B | ties to item 31 ($4.97B) |
|---|---|---|
| Risk-weighted assets before deductions | $4.97B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $4.97B | 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 | 11.16% | 11.16% | 11.84% | 9.38% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.74% | 10.74% | 11.44% | 9.36% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.16% | 11.16% | 11.81% | 9.66% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.24% | 11.24% | 11.99% | 9.60% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 10.71% | 10.71% | 11.38% | 9.52% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.13% | 11.13% | 11.80% | 9.56% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 10.59% | 10.59% | 11.25% | 9.21% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.32% | 11.32% | 12.00% | 9.72% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.73% | 10.73% | 11.43% | 9.47% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.05% | 11.05% | 11.86% | 9.57% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.45% | 11.45% | 12.32% | 9.92% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.00% | 11.00% | 11.75% | 9.75% | 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 |
|---|---|---|---|---|---|---|
| Northbrook Bank & Trust Company, N.A. (this bank) | Risk-based | 11.16% | 11.16% | 11.84% | 9.38% | |
| Choice Financial Group | $6.38B | CBLR | NA | NA | NA | 10.84% |
| Five Star Bank | $6.29B | Risk-based | 12.72% | 12.72% | 13.69% | 10.87% |
| Mercantile Bank | $6.24B | Risk-based | 12.59% | 12.59% | 13.54% | 11.61% |
| United Fidelity Bank, FSB | $6.49B | Risk-based | 11.08% | 13.26% | 15.09% | 10.16% |
| TrustCo Bank | $6.52B | Risk-based | 14.48% | 14.48% | 15.73% | 8.38% |
| Horizon Bank | $6.55B | Risk-based | 12.60% | 12.60% | 13.60% | 10.52% |
| The Washington Trust Company, of Westerly | $6.55B | Risk-based | 12.22% | 12.22% | 13.15% | 8.92% |
| First International Bank and Trust | $6.18B | Risk-based | 10.68% | 10.68% | 11.71% | 9.06% |
| First Financial Bank, N.A. | $6.17B | Risk-based | 12.62% | 12.62% | 13.63% | 10.36% |
| Peer 25th percentile | 11.94% | 12.50% | 13.44% | 9.06% | ||
| Peer median | 12.60% | 12.61% | 13.62% | 10.36% | ||
| Peer 75th percentile | 12.65% | 12.86% | 14.04% | 10.84% | ||
| This bank's percentile | 25 | 12 | 12 | 33 |
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/2938198/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.