Oakworth Capital Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.92% (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: 3.92% (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 10.73% +4.23 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 | $199.5M | 199,484 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.86B | 1,859,290 | RCOAA223 |
| Recomputed ratio | 10.73% | numerator / denominator | |
| Filed ratio | 10.73% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.23 pp | $78.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.73% +2.73 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 | $199.5M | 199,484 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.86B | 1,859,290 | RCOAA223 |
| Recomputed ratio | 10.73% | numerator / denominator | |
| Filed ratio | 10.73% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.73 pp | $50.7M | capital that could be lost first |
Total risk-based capital ratio 11.92% +1.92 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 | $221.5M | 221,542 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.86B | 1,859,290 | RCOAA223 |
| Recomputed ratio | 11.92% | numerator / denominator | |
| Filed ratio | 11.92% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.92 pp | $35.6M | capital that could be lost first |
Tier 1 leverage ratio 9.60% +4.60 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 | $199.5M | 199,484 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.08B | 2,078,931 | RCOAA224 |
| Recomputed ratio | 9.60% | numerator / denominator | |
| Filed ratio | 9.60% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.60 pp | $95.5M | 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 | 88,750 | 88,145 | 87,566 | 86,953 | 86,515 | 86,080 | RCOAP742 |
| Retained earnings | 110,827 | 104,275 | 100,413 | 96,746 | 91,113 | 86,134 | RCOAKW00 |
| Accumulated other comprehensive income | (5,993) | (6,836) | (5,225) | (6,106) | (8,668) | (8,530) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 193,584 | 185,584 | 182,754 | 177,593 | 168,960 | 163,684 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,900 | 6,743 | 5,117 | 5,998 | 8,560 | 8,422 | P859 - P840 |
| Common equity Tier 1 capital | 199,484 | 192,327 | 187,871 | 183,591 | 177,520 | 172,106 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 199,484 | 192,327 | 187,871 | 183,591 | 177,520 | 172,106 | RCOA8274 |
| Tier 2 capital | 22,058 | 21,301 | 20,529 | 19,915 | 19,013 | 17,779 | RCOA5311 |
| Allowance includable in Tier 2 capital | 22,058 | 21,301 | 20,529 | 19,915 | 19,013 | 17,779 | RCOA5310 |
| Total capital | 221,542 | 213,628 | 208,400 | 203,506 | 196,533 | 189,885 | RCOA3792 |
| Total risk-weighted assets | 1,859,290 | 1,812,220 | 1,749,554 | 1,664,900 | 1,629,212 | 1,618,114 | RCOAA223 |
| Average total assets for the leverage ratio | 2,078,931 | 2,023,610 | 2,024,926 | 1,865,352 | 1,825,306 | 1,813,349 | 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 | $131.0M | $2.5M | 1.88% | 0.13% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $234.2M | $43.7M | 18.67% | 2.35% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.1M | $210K | 20.00% | 0.01% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $261.9M | $204.7M | 78.18% | 11.01% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $7.4M | $11.1M | 150.00% | 0.60% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $10.8M | $16.3M | 150.00% | 0.88% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.45B | $1.43B | 98.82% | 76.85% | RC-R Part II, item 4.d, 5.d |
| All other assets | $68.1M | $59.6M | 87.56% | 3.21% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $109.0M | $92.0M | 84.40% | 4.95% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $704K | $352K | 50.00% | 0.02% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $500 | 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 | $1.86B | ties to item 31 ($1.86B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.86B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.86B | 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 | 10.73% | 10.73% | 11.92% | 9.60% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.61% | 10.61% | 11.79% | 9.50% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.74% | 10.74% | 11.91% | 9.28% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.03% | 11.03% | 12.22% | 9.84% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 10.90% | 10.90% | 12.06% | 9.73% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 10.64% | 10.64% | 11.73% | 9.49% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 10.51% | 10.51% | 11.59% | 9.51% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 9.67% | 9.67% | 10.69% | 9.31% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 9.68% | 9.68% | 10.70% | 9.42% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 9.87% | 9.87% | 10.88% | 9.39% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 9.72% | 9.72% | 10.73% | 9.31% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.09% | 10.09% | 11.10% | 9.36% | 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 |
|---|---|---|---|---|---|---|
| Oakworth Capital Bank (this bank) | Risk-based | 10.73% | 10.73% | 11.92% | 9.60% | |
| The Lyons National Bank | $2.13B | Risk-based | 12.59% | 12.59% | 13.85% | 9.02% |
| Mizuho Bank (USA) | $2.14B | Risk-based | 33.27% | 33.27% | 33.56% | 7.05% |
| Opportunity Bank of Montana | $2.12B | Risk-based | 13.10% | 13.10% | 14.23% | 10.93% |
| The First National Bank in Sioux Falls | $2.12B | Risk-based | 13.96% | 13.96% | 15.21% | 10.34% |
| Northeast Community Bank | $2.11B | Risk-based | 15.05% | 15.05% | 15.31% | 17.32% |
| Norway Savings Bank | $2.16B | CBLR | NA | NA | NA | 14.07% |
| First Fed Bank | $2.11B | Risk-based | 12.40% | 12.40% | 13.44% | 9.64% |
| United Bank | $2.16B | Risk-based | 24.35% | 24.35% | 25.61% | 12.75% |
| Incrediblebank | $2.10B | Risk-based | 10.32% | 10.32% | 11.41% | 8.30% |
| Peer 25th percentile | 12.55% | 12.55% | 13.75% | 9.02% | ||
| Peer median | 13.53% | 13.53% | 14.72% | 10.34% | ||
| Peer 75th percentile | 17.37% | 17.37% | 17.89% | 12.75% | ||
| This bank's percentile | 12 | 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/3720608/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.