Northrim Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.39% (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: 5.39% (RCFAH311).
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 12.38% +5.88 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 | $336.1M | 336,089 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.71B | 2,714,504 | RCFAA223 |
| Recomputed ratio | 12.38% | numerator / denominator | |
| Filed ratio | 12.38% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.88 pp | $159.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.38% +4.38 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 | $336.1M | 336,089 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.71B | 2,714,504 | RCFAA223 |
| Recomputed ratio | 12.38% | numerator / denominator | |
| Filed ratio | 12.38% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.38 pp | $118.9M | capital that could be lost first |
Total risk-based capital ratio 13.39% +3.39 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 | $363.5M | 363,503 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.71B | 2,714,504 | RCFAA223 |
| Recomputed ratio | 13.39% | numerator / denominator | |
| Filed ratio | 13.39% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.39 pp | $92.1M | capital that could be lost first |
Tier 1 leverage ratio 10.26% +5.26 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 | $336.1M | 336,089 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.28B | 3,275,430 | RCFAA224 |
| Recomputed ratio | 10.26% | numerator / denominator | |
| Filed ratio | 10.26% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.26 pp | $172.3M | 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 | 141,412 | 141,412 | 141,412 | 91,412 | 91,412 | 91,412 | RCFAP742 |
| Retained earnings | 245,280 | 232,822 | 221,210 | 211,587 | 197,776 | 188,627 | RCFAKW00 |
| Accumulated other comprehensive income | (1,179) | (808) | (409) | (1,755) | (3,421) | (5,447) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 385,513 | 373,426 | 362,213 | 301,244 | 285,767 | 274,592 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | (49,424) | (49,802) | (50,249) | (48,950) | (47,158) | (45,277) | P859 - P840 |
| Common equity Tier 1 capital | 336,089 | 323,624 | 311,964 | 252,294 | 238,609 | 229,315 | RCFAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 336,089 | 323,624 | 311,964 | 252,294 | 238,609 | 229,315 | RCFA8274 |
| Tier 2 capital | 27,414 | 25,913 | 25,160 | 24,001 | 23,468 | 21,605 | RCFA5311 |
| Allowance includable in Tier 2 capital | 27,414 | 25,913 | 25,160 | 24,001 | 23,468 | 21,605 | RCFA5310 |
| Total capital | 363,503 | 349,537 | 337,124 | 276,295 | 262,077 | 250,920 | RCFA3792 |
| Total risk-weighted assets | 2,714,504 | 2,675,759 | 2,633,233 | 2,558,571 | 2,557,538 | 2,484,690 | RCFAA223 |
| Average total assets for the leverage ratio | 3,275,430 | 3,211,178 | 3,247,684 | 3,171,815 | 3,140,193 | 3,022,185 | RCFAA224 |
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 | $171.9M | $6.1M | 3.56% | 0.23% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $420.0M | $63.0M | 15.01% | 2.32% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $390.3M | $195.2M | 50.00% | 7.19% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $23.0M | $34.3M | 149.33% | 1.26% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.06B | $1.91B | 93.00% | 70.45% | RC-R Part II, item 4.d, 5.d |
| All other assets | $160.7M | $197.4M | 122.84% | 7.27% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $256.9M | $255.8M | 99.59% | 9.43% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $11.7M | $1.5M | 12.72% | 0.06% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $48.9M | NA | 1.80% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.67B | ties to item 31 ($2.67B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.71B | RCFDB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.71B | RCFDG641, 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 | 12.38% | 12.38% | 13.39% | 10.26% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.09% | 12.09% | 13.06% | 10.08% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.85% | 11.85% | 12.80% | 9.61% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 9.86% | 9.86% | 10.80% | 7.95% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 9.33% | 9.33% | 10.25% | 7.60% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 9.23% | 9.23% | 10.10% | 7.59% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 9.20% | 9.20% | 10.18% | 7.24% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.16% | 10.16% | 11.14% | 8.01% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.28% | 10.28% | 11.19% | 8.07% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.10% | 10.10% | 11.03% | 7.87% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 9.88% | 9.88% | 10.81% | 7.43% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.05% | 10.05% | 10.96% | 7.65% | 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 |
|---|---|---|---|---|---|---|
| Northrim Bank (this bank) | Risk-based | 12.38% | 12.38% | 13.39% | 10.26% | |
| First Dakota National Bank | $3.39B | CBLR | NA | NA | NA | 10.40% |
| First Carolina Bank | $3.41B | Risk-based | 12.88% | 12.88% | 13.72% | 11.36% |
| Northern Bank & Trust Company | $3.38B | Risk-based | 15.30% | 15.30% | 16.56% | 14.55% |
| Banterra Bank | $3.36B | Risk-based | 9.85% | 9.85% | 10.73% | 9.41% |
| Lake Ridge Bank | $3.35B | Risk-based | 11.97% | 11.97% | 13.02% | 9.95% |
| Libertyville Bank & Trust Company, N.A. | $3.34B | Risk-based | 10.88% | 10.88% | 11.81% | 9.19% |
| Austin Bank, Texas N.A. | $3.33B | CBLR | NA | NA | NA | 15.12% |
| Bankwell Bank | $3.47B | Risk-based | 11.67% | 11.67% | 12.70% | 10.39% |
| TruNorth Bank | $3.32B | Risk-based | 15.98% | 15.98% | 16.59% | 11.46% |
| PCB Bank | $3.47B | Risk-based | 13.35% | 13.35% | 14.58% | 11.54% |
| Peer 25th percentile | 11.47% | 11.47% | 12.48% | 10.06% | ||
| Peer median | 12.43% | 12.43% | 13.37% | 10.88% | ||
| Peer 75th percentile | 13.84% | 13.84% | 15.07% | 11.52% | ||
| This bank's percentile | 50 | 50 | 50 | 30 |
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/1718188/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.