The Northwestern Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 11.22% +2.22 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $80.9M | 80,919 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $721.4M | 721,407 | RCOAA224 |
| Recomputed ratio | 11.22% | numerator / denominator | |
| Filed ratio | 11.22% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.22 pp | $16.0M | 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 | 8,792 | 8,792 | 8,792 | 8,792 | 8,792 | 8,792 | RCOAP742 |
| Retained earnings | 72,127 | 70,803 | 66,354 | 65,994 | 63,729 | 62,437 | RCOAKW00 |
| Accumulated other comprehensive income | (5,764) | (5,793) | (7,115) | (7,938) | (9,032) | (10,208) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 75,155 | 73,802 | 68,031 | 66,848 | 63,489 | 61,021 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,764 | 5,793 | 7,115 | 7,938 | 9,032 | 10,208 | P859 - P840 |
| Common equity Tier 1 capital | 80,919 | 79,595 | 75,146 | 74,786 | 72,521 | 71,229 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 80,919 | 79,595 | 75,146 | 74,786 | 72,521 | 71,229 | RCOA8274 |
| Tier 2 capital | NA | 7,708 | 7,477 | 6,837 | 7,700 | 7,666 | |
| Allowance includable in Tier 2 capital | NA | 7,708 | 7,477 | 6,837 | 7,700 | 7,666 | |
| Total capital | NA | 87,303 | 82,623 | 81,623 | 80,221 | 78,895 | |
| Total risk-weighted assets | NA | 612,563 | 593,893 | 542,158 | 612,089 | 609,312 | |
| Average total assets for the leverage ratio | 721,407 | 717,092 | 703,334 | 706,097 | 703,913 | 708,260 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 11.22% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.99% | 12.99% | 14.25% | 11.10% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.65% | 12.65% | 13.91% | 10.68% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.79% | 13.79% | 15.06% | 10.59% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.85% | 11.85% | 13.11% | 10.30% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.69% | 11.69% | 12.95% | 10.06% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.40% | 11.40% | 12.66% | 9.59% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.30% | 11.30% | 12.56% | 9.60% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.08% | 11.08% | 12.34% | 9.53% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.23% | 11.23% | 12.49% | 9.91% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.05% | 11.05% | 12.31% | 9.79% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.88% | 11.88% | 13.14% | 9.97% | 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 |
|---|---|---|---|---|---|---|
| The Northwestern Bank (this bank) | CBLR | NA | NA | NA | 11.22% | |
| Texas Gulf Bank, N.A. | $726.9M | CBLR | NA | NA | NA | 11.98% |
| Bank of Luxemburg | $723.4M | Risk-based | 11.40% | 11.40% | 12.24% | 9.64% |
| Amg National Trust Bank | $722.9M | Risk-based | 24.32% | 24.32% | 24.95% | 15.37% |
| The Malvern National Bank | $728.4M | Risk-based | 14.55% | 14.55% | 15.80% | 9.45% |
| The Bradford National Bank of Greenville | $722.8M | Risk-based | 13.05% | 13.05% | 14.26% | 8.93% |
| The First National Bank of Sonora | $722.0M | Risk-based | 9.93% | 9.93% | 10.80% | 8.00% |
| Grandview Bank | $729.3M | Risk-based | 19.00% | 19.00% | 20.26% | 12.35% |
| Albany Bank & Trust Co., N.A. | $721.8M | CBLR | NA | NA | NA | 16.98% |
| Queenstown Bank of Maryland | $729.5M | Risk-based | 18.42% | 18.42% | 19.67% | 11.60% |
| Peer 25th percentile | 12.23% | 12.23% | 13.25% | 9.45% | ||
| Peer median | 14.55% | 14.55% | 15.80% | 11.60% | ||
| Peer 75th percentile | 18.71% | 18.71% | 19.97% | 12.35% | ||
| This bank's percentile | NA | NA | NA | 44 |
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/153054/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.