Old Dominion National Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.92% (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: 6.92% (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 13.99% +7.49 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 | $195.1M | 195,101 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.39B | 1,394,172 | RCOAA223 |
| Recomputed ratio | 13.99% | numerator / denominator | |
| Filed ratio | 13.99% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.49 pp | $104.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.99% +5.99 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 | $195.1M | 195,101 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.39B | 1,394,172 | RCOAA223 |
| Recomputed ratio | 13.99% | numerator / denominator | |
| Filed ratio | 13.99% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.99 pp | $83.6M | capital that could be lost first |
Total risk-based capital ratio 14.92% +4.92 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 | $208.0M | 208,020 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.39B | 1,394,172 | RCOAA223 |
| Recomputed ratio | 14.92% | numerator / denominator | |
| Filed ratio | 14.92% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.92 pp | $68.6M | capital that could be lost first |
Tier 1 leverage ratio 11.75% +6.75 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 | $195.1M | 195,101 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.66B | 1,659,935 | RCOAA224 |
| Recomputed ratio | 11.75% | numerator / denominator | |
| Filed ratio | 11.75% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.75 pp | $112.1M | 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 | 177,432 | 177,294 | 177,200 | 153,886 | 153,703 | 153,519 | RCOAP742 |
| Retained earnings | 17,669 | 15,416 | 11,111 | 7,749 | 4,968 | 2,821 | RCOAKW00 |
| Accumulated other comprehensive income | (3,539) | (3,430) | (3,349) | (3,724) | (4,116) | (4,588) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 191,562 | 189,280 | 184,962 | 157,911 | 154,555 | 151,752 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,539 | 3,430 | 3,349 | 3,724 | 4,116 | 4,588 | P859 - P840 |
| Common equity Tier 1 capital | 195,101 | 192,710 | 188,311 | 161,635 | 158,671 | 156,340 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 195,101 | 192,710 | 188,311 | 161,635 | 158,671 | 156,340 | RCOA8274 |
| Tier 2 capital | 12,919 | 12,683 | 13,252 | 13,074 | 12,696 | 12,404 | RCOA5311 |
| Allowance includable in Tier 2 capital | 12,919 | 12,683 | 13,252 | 13,074 | 12,696 | 12,404 | RCOA5310 |
| Total capital | 208,020 | 205,393 | 201,563 | 174,709 | 171,367 | 168,744 | RCOA3792 |
| Total risk-weighted assets | 1,394,172 | 1,368,690 | 1,383,257 | 1,281,936 | 1,297,596 | 1,252,440 | RCOAA223 |
| Average total assets for the leverage ratio | 1,659,935 | 1,603,505 | 1,545,493 | 1,462,118 | 1,463,026 | 1,379,576 | 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 | $222.1M | $5.8M | 2.62% | 0.42% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $75.6M | $16.4M | 21.70% | 1.18% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $80.3M | $16.1M | 20.00% | 1.15% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $319.0M | $159.5M | 50.00% | 11.44% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $11.6M | $11.6M | 100.00% | 0.83% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.04B | $1.04B | 99.84% | 74.32% | RC-R Part II, item 4.d, 5.d |
| All other assets | $66.0M | $56.1M | 84.98% | 4.02% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $92.6M | $92.6M | 100.00% | 6.64% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.39B | ties to item 31 ($1.39B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.39B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.39B | 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 | 13.99% | 13.99% | 14.92% | 11.75% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 14.08% | 14.08% | 15.01% | 12.02% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.61% | 13.61% | 14.57% | 12.18% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.61% | 12.61% | 13.63% | 11.05% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.23% | 12.23% | 13.21% | 10.85% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.48% | 12.48% | 13.47% | 11.33% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.67% | 12.67% | 13.69% | 11.15% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.72% | 12.72% | 13.77% | 11.32% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.64% | 12.64% | 13.65% | 11.76% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.37% | 13.37% | 14.41% | 12.32% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.17% | 13.17% | 14.21% | 12.24% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.39% | 13.39% | 14.46% | 12.51% | 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 |
|---|---|---|---|---|---|---|
| Old Dominion National Bank (this bank) | Risk-based | 13.99% | 13.99% | 14.92% | 11.75% | |
| First Citizens Bank | $1.80B | Risk-based | 13.75% | 13.75% | 14.96% | 11.96% |
| North Dallas Bank & Trust Co. | $1.81B | CBLR | NA | NA | NA | 10.22% |
| Ccfbank N.A. | $1.81B | Risk-based | 12.94% | 12.94% | 14.19% | 11.21% |
| First National Bank of Central Texas | $1.77B | Risk-based | 14.55% | 14.55% | 15.80% | 10.83% |
| Waterford Bank, N.A. | $1.77B | Risk-based | 11.43% | 11.43% | 12.61% | 10.45% |
| Bank of New England | $1.82B | CBLR | NA | NA | NA | 16.78% |
| Column N.A. | $1.77B | Risk-based | 25.03% | 25.03% | 25.37% | 8.43% |
| Peoples Bank | $1.76B | Risk-based | 14.55% | 14.55% | 15.42% | 11.50% |
| Peer 25th percentile | 13.14% | 13.14% | 14.38% | 10.39% | ||
| Peer median | 14.15% | 14.15% | 15.19% | 11.02% | ||
| Peer 75th percentile | 14.55% | 14.55% | 15.71% | 11.61% | ||
| This bank's percentile | 50 | 50 | 33 | 75 |
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/3610718/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.