The Old Fort Banking Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.20% (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: 8.20% (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 15.16% +8.66 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 | $76.6M | 76,587 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $505.1M | 505,055 | RCOAA223 |
| Recomputed ratio | 15.16% | numerator / denominator | |
| Filed ratio | 15.16% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.66 pp | $43.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.16% +7.16 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 | $76.6M | 76,587 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $505.1M | 505,055 | RCOAA223 |
| Recomputed ratio | 15.16% | numerator / denominator | |
| Filed ratio | 15.16% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.16 pp | $36.2M | capital that could be lost first |
Total risk-based capital ratio 16.20% +6.20 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 | $81.8M | 81,819 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $505.1M | 505,055 | RCOAA223 |
| Recomputed ratio | 16.20% | numerator / denominator | |
| Filed ratio | 16.20% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.20 pp | $31.3M | capital that could be lost first |
Tier 1 leverage ratio 8.89% +3.89 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 | $76.6M | 76,587 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $861.3M | 861,291 | RCOAA224 |
| Recomputed ratio | 8.89% | numerator / denominator | |
| Filed ratio | 8.89% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.89 pp | $33.5M | 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 | 1,400 | 1,400 | 1,400 | 1,400 | 1,400 | 1,400 | RCOAP742 |
| Retained earnings | 75,187 | 73,980 | 72,005 | 71,971 | 71,222 | 71,906 | RCOAKW00 |
| Accumulated other comprehensive income | (19,312) | (18,463) | (14,888) | (16,404) | (23,119) | (23,818) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 57,275 | 56,917 | 58,517 | 56,967 | 49,503 | 49,488 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 19,312 | 18,463 | 14,888 | 16,404 | 23,119 | 23,818 | P859 - P840 |
| Common equity Tier 1 capital | 76,587 | 75,380 | 73,405 | 73,371 | 72,622 | 73,306 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 76,587 | 75,380 | 73,405 | 73,371 | 72,622 | 73,306 | RCOA8274 |
| Tier 2 capital | 5,232 | 5,185 | 5,142 | 4,913 | 4,749 | 4,731 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,232 | 5,185 | 5,142 | 4,913 | 4,749 | 4,731 | RCOA5310 |
| Total capital | 81,819 | 80,565 | 78,547 | 78,284 | 77,371 | 78,037 | RCOA3792 |
| Total risk-weighted assets | 505,055 | 504,108 | 503,042 | 494,916 | 484,648 | 474,335 | RCOAA223 |
| Average total assets for the leverage ratio | 861,291 | 863,872 | 882,781 | 881,299 | 860,616 | 868,455 | 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 | $30.7M | $2.0M | 6.52% | 0.40% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $333.2M | $71.5M | 21.45% | 14.15% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $202.3M | $117.8M | 58.19% | 23.32% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $1.4M | $2.1M | 150.00% | 0.42% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $503K | $754K | 150.00% | 0.15% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $280.5M | $280.5M | 100.00% | 55.55% | RC-R Part II, item 4.d, 5.d |
| All other assets | $19.7M | $21.2M | 107.49% | 4.19% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $15K | $188K | 1250.00% | 0.04% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $9.1M | $9.1M | 100.00% | 1.79% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $29K | $14K | 50.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1K | 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 | $505.1M | ties to item 31 ($505.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $505.1M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $505.1M | 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 | 15.16% | 15.16% | 16.20% | 8.89% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.95% | 14.95% | 15.98% | 8.73% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.59% | 14.59% | 15.61% | 8.32% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.82% | 14.82% | 15.82% | 8.33% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.98% | 14.98% | 15.96% | 8.44% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.45% | 15.45% | 16.45% | 8.44% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.95% | 14.95% | 15.94% | 8.21% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.40% | 14.40% | 15.37% | 7.97% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.13% | 14.13% | 15.13% | 8.01% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.81% | 14.81% | 15.82% | 8.19% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 14.77% | 14.77% | 15.79% | 8.02% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.82% | 14.82% | 15.87% | 7.91% | 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 Old Fort Banking Company (this bank) | Risk-based | 15.16% | 15.16% | 16.20% | 8.89% | |
| FNBC Bank | $843.3M | Risk-based | 12.44% | 12.44% | 13.70% | 9.68% |
| Millennium Bank | $844.5M | CBLR | NA | NA | NA | 9.41% |
| Carolina Bank & Trust Company | $844.6M | Risk-based | 20.14% | 20.14% | 21.40% | 13.51% |
| The Fountain Trust Company | $844.6M | Risk-based | 15.50% | 15.50% | 16.75% | 9.99% |
| United Southern Bank | $843.0M | CBLR | NA | NA | NA | 10.77% |
| Bankiowa | $846.2M | CBLR | NA | NA | NA | 12.46% |
| Bank of Sun Prairie | $841.2M | Risk-based | 13.27% | 13.27% | 14.52% | 9.99% |
| First Resource Bank | $840.9M | Risk-based | 10.94% | 10.94% | 11.83% | 8.62% |
| First Utah Bank | $840.3M | CBLR | NA | NA | NA | 10.22% |
| Prairie State Bank & Trust | $840.1M | CBLR | NA | NA | NA | 12.39% |
| Peer 25th percentile | 12.44% | 12.44% | 13.70% | 9.76% | ||
| Peer median | 13.27% | 13.27% | 14.52% | 10.11% | ||
| Peer 75th percentile | 15.50% | 15.50% | 16.75% | 11.98% | ||
| This bank's percentile | 60 | 60 | 60 | 10 |
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/564324/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.