Oriental Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.48% (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: 6.48% (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 13.22% +6.72 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 | $1.27B | 1,269,911 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $9.61B | 9,605,754 | RCOAA223 |
| Recomputed ratio | 13.22% | numerator / denominator | |
| Filed ratio | 13.22% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.72 pp | $645.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.22% +5.22 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 | $1.27B | 1,269,911 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $9.61B | 9,605,754 | RCOAA223 |
| Recomputed ratio | 13.22% | numerator / denominator | |
| Filed ratio | 13.22% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.22 pp | $501.4M | capital that could be lost first |
Total risk-based capital ratio 14.48% +4.48 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 | $1.39B | 1,390,795 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $9.61B | 9,605,754 | RCOAA223 |
| Recomputed ratio | 14.48% | numerator / denominator | |
| Filed ratio | 14.48% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.48 pp | $430.2M | capital that could be lost first |
Tier 1 leverage ratio 10.57% +5.57 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 | $1.27B | 1,269,911 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $12.01B | 12,009,321 | RCOAA224 |
| Recomputed ratio | 10.57% | numerator / denominator | |
| Filed ratio | 10.57% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.57 pp | $669.4M | 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 | 732,860 | 731,522 | 730,293 | 728,719 | 727,451 | 726,139 | RCOAP742 |
| Retained earnings | 623,225 | 606,804 | 618,337 | 599,570 | 551,777 | 502,486 | RCOAKW00 |
| Accumulated other comprehensive income | (38,946) | (33,573) | (16,906) | (27,301) | (48,782) | (58,001) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,317,139 | 1,304,753 | 1,331,724 | 1,300,988 | 1,230,446 | 1,170,624 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (47,228) | (53,590) | (71,194) | (61,681) | (41,234) | (33,521) | P859 - P840 |
| Common equity Tier 1 capital | 1,269,911 | 1,251,163 | 1,260,530 | 1,239,307 | 1,189,212 | 1,137,103 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 1,269,911 | 1,251,163 | 1,260,530 | 1,239,307 | 1,189,212 | 1,137,103 | RCOA8274 |
| Tier 2 capital | 120,884 | 119,746 | 118,292 | 116,471 | 115,602 | 110,568 | RCOA5311 |
| Allowance includable in Tier 2 capital | 120,884 | 119,746 | 118,292 | 116,471 | 115,602 | 110,568 | RCOA5310 |
| Total capital | 1,390,795 | 1,370,909 | 1,378,822 | 1,355,778 | 1,304,814 | 1,247,671 | RCOA3792 |
| Total risk-weighted assets | 9,605,754 | 9,498,127 | 9,381,665 | 9,243,169 | 9,180,001 | 8,780,359 | RCOAA223 |
| Average total assets for the leverage ratio | 12,009,321 | 11,971,623 | 12,228,976 | 12,112,721 | 11,814,639 | 11,560,898 | 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 | $645.9M | $58.7M | 9.09% | 0.61% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $2.68B | $428.1M | 15.99% | 4.43% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $109.1M | $9.0M | 8.27% | 0.09% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $1.36B | $759.8M | 55.86% | 7.86% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $50.7M | $76.1M | 150.00% | 0.79% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $52.3M | $78.4M | 150.00% | 0.81% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $6.84B | $6.72B | 98.32% | 69.52% | RC-R Part II, item 4.d, 5.d |
| All other assets | $557.3M | $795.9M | 142.82% | 8.23% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $780.3M | $741.2M | 94.99% | 7.66% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | 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 | $9.67B | ties to item 31 ($9.67B) |
|---|---|---|
| Risk-weighted assets before deductions | $9.67B | RCONB704 |
| Less: excess allowance for credit losses | $65.0M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $9.61B | 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 | 13.22% | 13.22% | 14.48% | 10.57% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 13.17% | 13.17% | 14.43% | 10.45% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 13.44% | 13.44% | 14.70% | 10.31% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 13.41% | 13.41% | 14.67% | 10.23% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 12.95% | 12.95% | 14.21% | 10.07% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 12.95% | 12.95% | 14.21% | 9.84% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 13.60% | 13.60% | 14.86% | 10.45% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 13.38% | 13.38% | 14.63% | 10.38% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 13.39% | 13.39% | 14.64% | 10.22% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 13.14% | 13.14% | 14.40% | 9.82% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 13.01% | 13.01% | 14.27% | 10.20% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 12.80% | 12.80% | 14.06% | 10.12% | 12.66% | 12.67% | 13.78% | 9.78% |
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 |
|---|---|---|---|---|---|---|
| Oriental Bank (this bank) | Risk-based | 13.22% | 13.22% | 14.48% | 10.57% | |
| Columbia Bank | $12.17B | Risk-based | 13.19% | 13.19% | 14.11% | 9.75% |
| First Commonwealth Bank | $12.18B | Risk-based | 12.24% | 12.24% | 14.00% | 10.17% |
| Farmers and Merchants Bank of Long Beach | $11.77B | Risk-based | 18.25% | 20.65% | 21.86% | 13.95% |
| Happen Bank, N.A. | $12.48B | Risk-based | 15.57% | 15.57% | 16.83% | 10.98% |
| NBH Bank | $12.54B | Risk-based | 12.27% | 12.27% | 13.39% | 10.27% |
| The Park National Bank | $12.61B | Risk-based | 12.24% | 12.24% | 13.54% | 10.33% |
| PlainsCapital Bank | $12.68B | Risk-based | 12.50% | 12.50% | 13.47% | 9.73% |
| Dollar Bank, Federal Savings Bank | $12.70B | Risk-based | 15.38% | 15.38% | 16.45% | 11.05% |
| Peer 25th percentile | 12.26% | 12.26% | 13.53% | 10.06% | ||
| Peer median | 12.85% | 12.85% | 14.05% | 10.30% | ||
| Peer 75th percentile | 15.43% | 15.43% | 16.55% | 10.99% | ||
| This bank's percentile | 62 | 62 | 62 | 62 |
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/245276/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.