Ozarks Federal Savings and Loan Association: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 13.46% (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: 13.46% (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 20.36% +13.86 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 | $42.3M | 42,265 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $207.5M | 207,545 | RCOAA223 |
| Recomputed ratio | 20.36% | numerator / denominator | |
| Filed ratio | 20.36% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +13.86 pp | $28.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 20.36% +12.36 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 | $42.3M | 42,265 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $207.5M | 207,545 | RCOAA223 |
| Recomputed ratio | 20.36% | numerator / denominator | |
| Filed ratio | 20.36% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +12.36 pp | $25.7M | capital that could be lost first |
Total risk-based capital ratio 21.46% +11.46 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 | $44.5M | 44,544 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $207.5M | 207,545 | RCOAA223 |
| Recomputed ratio | 21.46% | numerator / denominator | |
| Filed ratio | 21.46% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +11.46 pp | $23.8M | capital that could be lost first |
Tier 1 leverage ratio 15.09% +10.09 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 | $42.3M | 42,265 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $280.1M | 280,069 | RCOAA224 |
| Recomputed ratio | 15.09% | numerator / denominator | |
| Filed ratio | 15.09% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +10.09 pp | $28.3M | 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 | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 42,478 | 41,903 | 41,234 | 40,776 | 40,319 | 39,959 | RCOAKW00 |
| Accumulated other comprehensive income | (1,326) | (1,388) | (1,327) | (1,395) | (1,561) | (1,644) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 41,152 | 40,515 | 39,907 | 39,381 | 38,758 | 38,315 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,113 | 1,178 | 1,110 | 1,185 | 1,353 | 1,439 | P859 - P840 |
| Common equity Tier 1 capital | 42,265 | 41,693 | 41,017 | 40,566 | 40,111 | 39,754 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 42,265 | 41,693 | 41,017 | 40,566 | 40,111 | 39,754 | RCOA8274 |
| Tier 2 capital | 2,279 | 2,267 | 2,472 | 2,438 | 2,366 | 2,336 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,279 | 2,267 | 2,472 | 2,438 | 2,366 | 2,336 | RCOA5310 |
| Total capital | 44,544 | 43,960 | 43,489 | 43,004 | 42,477 | 42,090 | RCOA3792 |
| Total risk-weighted assets | 207,545 | 205,828 | 220,371 | 216,682 | 214,550 | 214,716 | RCOAA223 |
| Average total assets for the leverage ratio | 280,069 | 305,098 | 299,999 | 294,744 | 292,977 | 291,130 | 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 | $13.5M | $126K | 0.93% | 0.06% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $14.2M | $1.9M | 13.33% | 0.91% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $4.6M | $928K | 20.00% | 0.45% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $179.7M | $112.6M | 62.62% | 54.23% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $252K | $252K | 100.00% | 0.12% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $43.2M | $43.2M | 100.00% | 20.80% | RC-R Part II, item 4.d, 5.d |
| All other assets | $24.7M | $22.6M | 91.67% | 10.90% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $14.7M | $14.7M | 100.00% | 7.10% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $11.3M | NA | 5.43% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $196.3M | ties to item 31 ($196.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $207.5M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $207.5M | 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 | 20.36% | 20.36% | 21.46% | 15.09% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 20.26% | 20.26% | 21.36% | 13.67% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 18.61% | 18.61% | 19.73% | 13.67% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 18.72% | 18.72% | 19.85% | 13.76% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 18.70% | 18.70% | 19.80% | 13.69% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 18.51% | 18.51% | 19.60% | 13.66% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 18.98% | 18.98% | 20.06% | 13.90% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 19.46% | 19.46% | 20.52% | 14.36% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 20.14% | 20.14% | 21.22% | 14.79% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 20.65% | 20.65% | 21.76% | 15.05% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 20.86% | 20.86% | 22.01% | 15.16% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 21.14% | 21.14% | 22.31% | 15.89% | 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 |
|---|---|---|---|---|---|---|
| Ozarks Federal Savings and Loan Association (this bank) | Risk-based | 20.36% | 20.36% | 21.46% | 15.09% | |
| Success Bank | $277.1M | CBLR | NA | NA | NA | 12.22% |
| Dewitt Bank & Trust Co. | $277.3M | CBLR | NA | NA | NA | 9.40% |
| Bank of the Rockies | $277.4M | Risk-based | 11.42% | 11.42% | 12.60% | 9.37% |
| First American State Bank | $276.9M | Risk-based | 15.07% | 15.07% | 16.33% | 9.67% |
| Newport Federal Bank | $276.8M | Risk-based | 21.67% | 21.67% | 22.93% | 10.42% |
| Reliance State Bank | $276.8M | Risk-based | 12.87% | 12.87% | 14.12% | 9.72% |
| Old Glory Bank | $276.8M | Risk-based | 11.19% | 11.19% | 11.57% | 2.69% |
| Incommons Bank, N.A. | $277.6M | Risk-based | 15.01% | 15.01% | 16.23% | 10.20% |
| Ergo Bank | $276.7M | Risk-based | 9.67% | 9.67% | 10.72% | 8.42% |
| Logansport Savings Bank | $276.5M | CBLR | NA | NA | NA | 9.96% |
| Peer 25th percentile | 11.30% | 11.30% | 12.08% | 9.37% | ||
| Peer median | 12.87% | 12.87% | 14.12% | 9.70% | ||
| Peer 75th percentile | 15.04% | 15.04% | 16.28% | 10.14% | ||
| This bank's percentile | 86 | 86 | 86 | 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/1016174/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.