Oak View National Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.50% (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: 9.50% (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 16.69% +10.19 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 | $79.4M | 79,417 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $475.8M | 475,830 | RCOAA223 |
| Recomputed ratio | 16.69% | numerator / denominator | |
| Filed ratio | 16.69% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.19 pp | $48.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.69% +8.69 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 | $79.4M | 79,417 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $475.8M | 475,830 | RCOAA223 |
| Recomputed ratio | 16.69% | numerator / denominator | |
| Filed ratio | 16.69% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.69 pp | $41.4M | capital that could be lost first |
Total risk-based capital ratio 17.50% +7.50 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 | $83.2M | 83,248 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $475.8M | 475,830 | RCOAA223 |
| Recomputed ratio | 17.50% | numerator / denominator | |
| Filed ratio | 17.50% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.50 pp | $35.7M | capital that could be lost first |
Tier 1 leverage ratio 8.16% +3.16 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 | $79.4M | 79,417 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $972.9M | 972,934 | RCOAA224 |
| Recomputed ratio | 8.16% | numerator / denominator | |
| Filed ratio | 8.16% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.16 pp | $30.8M | 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 | 40,204 | 40,204 | 40,204 | 40,204 | 40,204 | 32,389 | RCOAP742 |
| Retained earnings | 39,213 | 37,159 | 37,014 | 25,745 | 24,361 | 22,263 | RCOAKW00 |
| Accumulated other comprehensive income | 4,650 | (1,505) | 2,916 | (562) | (3,576) | (2,257) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 84,067 | 75,858 | 80,134 | 65,387 | 60,989 | 52,395 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (4,650) | 1,505 | (2,916) | 562 | 3,576 | 2,257 | P859 - P840 |
| Common equity Tier 1 capital | 79,417 | 77,363 | 77,218 | 65,949 | 64,565 | 54,652 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 79,417 | 77,363 | 77,218 | 65,949 | 64,565 | 54,652 | RCOA8274 |
| Tier 2 capital | 3,831 | 3,582 | 3,442 | 3,457 | 3,383 | 3,304 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,831 | 3,582 | 3,442 | 3,457 | 3,383 | 3,304 | RCOA5310 |
| Total capital | 83,248 | 80,945 | 80,660 | 69,406 | 67,948 | 57,956 | RCOA3792 |
| Total risk-weighted assets | 475,830 | 445,997 | 408,049 | 406,073 | 367,302 | 350,392 | RCOAA223 |
| Average total assets for the leverage ratio | 972,934 | 892,061 | 862,730 | 813,173 | 755,806 | 710,741 | 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 | $24.8M | $2.0M | 7.94% | 0.41% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $310.3M | $64.1M | 20.67% | 13.48% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $601K | $120K | 20.00% | 0.03% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $187.4M | $112.8M | 60.22% | 23.71% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $204.3M | $199.9M | 97.85% | 42.01% | RC-R Part II, item 4.d, 5.d |
| All other assets | $28.7M | $25.1M | 87.47% | 5.27% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $14.2M | $11.9M | 83.56% | 2.50% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $16.1M | $16.1M | 100.00% | 3.37% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $43.8M | NA | 9.21% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $432.0M | ties to item 31 ($432.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $475.8M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $475.8M | 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 | 16.69% | 16.69% | 17.50% | 8.16% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 17.35% | 17.35% | 18.15% | 8.67% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 18.92% | 18.92% | 19.77% | 8.95% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 16.24% | 16.24% | 17.09% | 8.11% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 17.58% | 17.58% | 18.50% | 8.54% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.60% | 15.60% | 16.54% | 7.69% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.63% | 15.63% | 16.56% | 7.84% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.42% | 15.42% | 16.37% | 8.02% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 15.26% | 15.26% | 16.21% | 8.18% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.81% | 14.81% | 15.75% | 8.07% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.21% | 15.21% | 16.16% | 8.22% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.00% | 15.00% | 15.88% | 8.19% | 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 |
|---|---|---|---|---|---|---|
| Oak View National Bank (this bank) | Risk-based | 16.69% | 16.69% | 17.50% | 8.16% | |
| First National Bank and Trust Company of Weatherford dba First Bank Texas | $968.3M | CBLR | NA | NA | NA | 10.44% |
| Dream First Bank, N.A. | $963.7M | Risk-based | 11.92% | 11.92% | 13.18% | 9.69% |
| Harleysville Bank | $963.6M | Risk-based | 15.18% | 15.18% | 15.98% | 9.93% |
| Watertown Savings Bank | $971.0M | CBLR | NA | NA | NA | 17.60% |
| Transpecos Banks, SSB | $972.1M | Risk-based | 9.49% | 9.49% | 10.45% | 6.67% |
| Summit State Bank | $959.8M | Risk-based | 13.10% | 13.10% | 14.80% | 10.84% |
| Round Top State Bank | $974.1M | CBLR | NA | NA | NA | 11.94% |
| Diamond Bank | $957.2M | Risk-based | 14.34% | 14.34% | 15.56% | 9.99% |
| Dundee Bank | $975.6M | CBLR | NA | NA | NA | 9.61% |
| Peer 25th percentile | 11.92% | 11.92% | 13.18% | 9.69% | ||
| Peer median | 13.10% | 13.10% | 14.80% | 9.99% | ||
| Peer 75th percentile | 14.34% | 14.34% | 15.56% | 10.84% | ||
| This bank's percentile | 100 | 100 | 100 | 11 |
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/3816190/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.