Orange Bank & Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 11.20% (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: 11.20% (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 17.95% +11.45 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 | $360.3M | 360,301 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.01B | 2,006,890 | RCOAA223 |
| Recomputed ratio | 17.95% | numerator / denominator | |
| Filed ratio | 17.95% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +11.45 pp | $229.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 17.95% +9.95 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 | $360.3M | 360,301 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.01B | 2,006,890 | RCOAA223 |
| Recomputed ratio | 17.95% | numerator / denominator | |
| Filed ratio | 17.95% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +9.95 pp | $199.8M | capital that could be lost first |
Total risk-based capital ratio 19.20% +9.20 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 | $385.4M | 385,408 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.01B | 2,006,890 | RCOAA223 |
| Recomputed ratio | 19.20% | numerator / denominator | |
| Filed ratio | 19.20% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +9.20 pp | $184.7M | capital that could be lost first |
Tier 1 leverage ratio 13.15% +8.15 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 | $360.3M | 360,301 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.74B | 2,739,372 | RCOAA224 |
| Recomputed ratio | 13.15% | numerator / denominator | |
| Filed ratio | 13.15% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.15 pp | $223.3M | 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 | 107,000 | 107,000 | 107,000 | 107,000 | 107,000 | 66,000 | RCOAP742 |
| Retained earnings | 253,301 | 241,803 | 232,939 | 221,872 | 213,316 | 204,191 | RCOAKW00 |
| Accumulated other comprehensive income | (49,246) | (50,625) | (47,807) | (52,151) | (61,436) | (60,019) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 311,055 | 298,178 | 292,132 | 276,721 | 258,880 | 210,172 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 49,246 | 50,625 | 47,807 | 52,151 | 61,436 | 60,019 | P859 - P840 |
| Common equity Tier 1 capital | 360,301 | 348,803 | 339,939 | 328,872 | 320,316 | 270,191 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 360,301 | 348,803 | 339,939 | 328,872 | 320,316 | 270,191 | RCOA8274 |
| Tier 2 capital | 25,107 | 24,735 | 24,567 | 24,572 | 24,528 | 23,876 | RCOA5311 |
| Allowance includable in Tier 2 capital | 25,107 | 24,735 | 24,567 | 24,572 | 24,528 | 23,876 | RCOA5310 |
| Total capital | 385,408 | 373,538 | 364,506 | 353,444 | 344,844 | 294,067 | RCOA3792 |
| Total risk-weighted assets | 2,006,890 | 1,975,276 | 1,961,579 | 1,960,980 | 1,958,436 | 1,907,534 | RCOAA223 |
| Average total assets for the leverage ratio | 2,739,372 | 2,725,714 | 2,683,152 | 2,670,628 | 2,582,582 | 2,595,472 | 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 | $334.9M | $7.9M | 2.37% | 0.39% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $450.2M | $82.4M | 18.30% | 4.10% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $605.5M | $319.5M | 52.77% | 15.91% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $15.7M | $23.6M | 150.00% | 1.17% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.35B | $1.35B | 99.99% | 67.34% | RC-R Part II, item 4.d, 5.d |
| All other assets | $106.2M | $100.8M | 94.91% | 5.02% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $121.4M | $113.9M | 93.82% | 5.67% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $7.9M | NA | 0.39% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.00B | does not tie to item 31 ($2.00B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.01B | RCONB704 |
| Less: excess allowance for credit losses | $1.7M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.01B | 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 | 17.95% | 17.95% | 19.20% | 13.15% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 17.66% | 17.66% | 18.91% | 12.80% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 17.33% | 17.33% | 18.58% | 12.67% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 16.77% | 16.77% | 18.02% | 12.31% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 16.36% | 16.36% | 17.61% | 12.40% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 14.16% | 14.16% | 15.42% | 10.41% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.12% | 14.12% | 15.37% | 10.23% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.64% | 13.64% | 14.89% | 10.06% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.84% | 13.84% | 15.09% | 10.04% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.49% | 13.49% | 14.74% | 9.72% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.91% | 12.91% | 14.16% | 9.42% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.68% | 12.68% | 13.93% | 9.26% | 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 |
|---|---|---|---|---|---|---|
| Orange Bank & Trust Company (this bank) | Risk-based | 17.95% | 17.95% | 19.20% | 13.15% | |
| Citizens and Farmers Bank | $2.79B | Risk-based | 13.54% | 13.54% | 14.79% | 11.20% |
| ION Bank | $2.78B | Risk-based | 15.75% | 15.75% | 16.82% | 11.91% |
| Bank of New Hampshire | $2.80B | Risk-based | 13.75% | 13.75% | 15.00% | 12.08% |
| Sunrise Banks, N.A. | $2.78B | CBLR | NA | NA | NA | 10.18% |
| Quad City Bank and Trust Company | $2.77B | Risk-based | 14.29% | 14.29% | 15.35% | 11.01% |
| State Bank of the Lakes, N.A. | $2.81B | Risk-based | 10.75% | 10.75% | 11.37% | 9.05% |
| Avidia Bank | $2.77B | Risk-based | 15.47% | 15.47% | 16.61% | 12.37% |
| Chemung Canal Trust Company, N.A. | $2.82B | Risk-based | 13.84% | 13.84% | 14.96% | 11.38% |
| Emprise Bank | $2.82B | Risk-based | 10.22% | 10.22% | 11.43% | 7.69% |
| Lead Bank | $2.76B | Risk-based | 20.33% | 20.33% | 21.60% | 7.40% |
| Peer 25th percentile | 13.54% | 13.54% | 14.79% | 9.33% | ||
| Peer median | 13.84% | 13.84% | 15.00% | 11.11% | ||
| Peer 75th percentile | 15.47% | 15.47% | 16.61% | 11.78% | ||
| This bank's percentile | 89 | 89 | 89 | 100 |
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/176101/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.