NorthStar Bank: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.66% (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: 9.66% (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 16.72% +10.22 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 | $22.7M | 22,696 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $135.7M | 135,737 | RCOAA223 |
| Recomputed ratio | 16.72% | numerator / denominator | |
| Filed ratio | 16.72% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.22 pp | $13.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.72% +8.72 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 | $22.7M | 22,696 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $135.7M | 135,737 | RCOAA223 |
| Recomputed ratio | 16.72% | numerator / denominator | |
| Filed ratio | 16.72% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.72 pp | $11.8M | capital that could be lost first |
Total risk-based capital ratio 17.66% +7.66 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 | $24.0M | 23,974 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $135.7M | 135,737 | RCOAA223 |
| Recomputed ratio | 17.66% | numerator / denominator | |
| Filed ratio | 17.66% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.66 pp | $10.4M | capital that could be lost first |
Tier 1 leverage ratio 11.66% +6.66 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 | $22.7M | 22,696 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $194.7M | 194,691 | RCOAA224 |
| Recomputed ratio | 11.66% | numerator / denominator | |
| Filed ratio | 11.66% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.66 pp | $13.0M | 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 | 30,396 | 30,396 | 30,396 | 30,396 | 30,396 | 30,396 | RCOAP742 |
| Retained earnings | 3,966 | 3,308 | 2,643 | 1,974 | 1,316 | 665 | RCOAKW00 |
| Accumulated other comprehensive income | (191) | (6) | 86 | 55 | (292) | (313) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 34,171 | 33,698 | 33,125 | 32,425 | 31,420 | 30,748 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (11,475) | (11,698) | (11,797) | (11,838) | (11,533) | (11,553) | P859 - P840 |
| Common equity Tier 1 capital | 22,696 | 22,000 | 21,328 | 20,587 | 19,887 | 19,195 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 22,696 | 22,000 | 21,328 | 20,587 | 19,887 | 19,195 | RCOA8274 |
| Tier 2 capital | 1,278 | 1,278 | 1,278 | 1,279 | 1,286 | 1,285 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,278 | 1,278 | 1,278 | 1,279 | 1,286 | 1,285 | RCOA5310 |
| Total capital | 23,974 | 23,278 | 22,606 | 21,866 | 21,173 | 20,480 | RCOA3792 |
| Total risk-weighted assets | 135,737 | 140,770 | 138,304 | 141,412 | 138,875 | 138,009 | RCOAA223 |
| Average total assets for the leverage ratio | 194,691 | 198,061 | 193,344 | 186,228 | 187,590 | 194,202 | 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 | $20.7M | $3.7M | 18.05% | 2.75% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $32.8M | $6.0M | 18.25% | 4.41% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $29.7M | $14.8M | 50.00% | 10.94% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $3K | $3K | 100.00% | 0.00% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $105.6M | $105.6M | 100.00% | 77.78% | RC-R Part II, item 4.d, 5.d |
| All other assets | $4.5M | $4.4M | 96.36% | 3.21% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.7M | $1.2M | 73.22% | 0.91% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | -$400 | 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 | $135.7M | ties to item 31 ($135.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $135.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $135.7M | 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 | 16.72% | 16.72% | 17.66% | 11.66% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.63% | 15.63% | 16.54% | 11.11% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.42% | 15.42% | 16.35% | 11.03% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.56% | 14.56% | 15.46% | 11.05% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.32% | 14.32% | 15.25% | 10.60% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.91% | 13.91% | 14.84% | 9.88% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.75% | 15.75% | 16.67% | 11.14% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.66% | 15.66% | 16.61% | 10.95% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 15.94% | 15.94% | 16.93% | 10.38% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.26% | 15.26% | 16.20% | 9.95% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 17.46% | 17.46% | 18.37% | 11.57% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 18.09% | 18.09% | 18.99% | 11.18% | 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 |
|---|---|---|---|---|---|---|
| NorthStar Bank (this bank) | Risk-based | 16.72% | 16.72% | 17.66% | 11.66% | |
| Boc Bank | $203.4M | Risk-based | 16.02% | 16.02% | 17.27% | 12.41% |
| Scott State Bank | $203.5M | CBLR | NA | NA | NA | 13.67% |
| Bank of Commerce | $203.2M | Risk-based | 18.05% | 18.05% | 19.30% | 12.78% |
| Greeneville Federal Bank, F.S.B. | $203.9M | Risk-based | 22.14% | 22.14% | 23.39% | 15.59% |
| The First National Bank of Dryden | $203.9M | CBLR | NA | NA | NA | 13.55% |
| The First National Bank of Groton | $203.9M | CBLR | NA | NA | NA | 14.58% |
| Minnstar Bank N.A. | $204.0M | Risk-based | 13.42% | 13.42% | 14.67% | 10.38% |
| Buffalo Federal Bank | $202.6M | CBLR | NA | NA | NA | 10.38% |
| Central Bank and Trust | $202.5M | Risk-based | 17.17% | 17.17% | 17.97% | 8.56% |
| Verus Bank of Commerce | $202.4M | CBLR | NA | NA | NA | 18.46% |
| Peer 25th percentile | 16.02% | 16.02% | 17.27% | 10.89% | ||
| Peer median | 17.17% | 17.17% | 17.97% | 13.16% | ||
| Peer 75th percentile | 18.05% | 18.05% | 19.30% | 14.35% | ||
| This bank's percentile | 40 | 40 | 40 | 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/2562137/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.