Ozona Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 13.13% (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: 13.13% (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 20.11% +13.61 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 | $42.8M | 42,763 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $212.6M | 212,647 | RCOAA223 |
| Recomputed ratio | 20.11% | numerator / denominator | |
| Filed ratio | 20.11% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +13.61 pp | $28.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 20.11% +12.11 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 | $42.8M | 42,763 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $212.6M | 212,647 | RCOAA223 |
| Recomputed ratio | 20.11% | numerator / denominator | |
| Filed ratio | 20.11% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +12.11 pp | $25.8M | capital that could be lost first |
Total risk-based capital ratio 21.13% +11.13 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 | $44.9M | 44,930 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $212.6M | 212,647 | RCOAA223 |
| Recomputed ratio | 21.13% | numerator / denominator | |
| Filed ratio | 21.13% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +11.13 pp | $23.7M | capital that could be lost first |
Tier 1 leverage ratio 12.31% +7.31 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 | $42.8M | 42,763 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $347.4M | 347,419 | RCOAA224 |
| Recomputed ratio | 12.31% | numerator / denominator | |
| Filed ratio | 12.31% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.31 pp | $25.4M | 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 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | RCOAP742 |
| Retained earnings | 41,764 | 41,393 | 41,442 | 40,434 | 39,885 | 40,033 | RCOAKW00 |
| Accumulated other comprehensive income | (10,216) | (10,151) | (10,586) | (11,502) | (14,152) | (13,791) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 32,548 | 32,242 | 31,856 | 29,932 | 26,733 | 27,242 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 10,215 | 10,150 | 10,586 | 11,502 | 14,152 | 13,791 | P859 - P840 |
| Common equity Tier 1 capital | 42,763 | 42,392 | 42,442 | 41,434 | 40,885 | 41,033 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 42,763 | 42,392 | 42,442 | 41,434 | 40,885 | 41,033 | RCOA8274 |
| Tier 2 capital | 2,167 | 2,092 | 2,320 | 2,353 | 2,205 | 2,080 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,167 | 2,092 | 2,320 | 2,353 | 2,205 | 2,080 | RCOA5310 |
| Total capital | 44,930 | 44,484 | 44,762 | 43,787 | 43,090 | 43,113 | RCOA3792 |
| Total risk-weighted assets | 212,647 | 191,008 | 195,403 | 187,747 | 176,006 | 178,061 | RCOAA223 |
| Average total assets for the leverage ratio | 347,419 | 339,665 | 331,182 | 324,422 | 314,701 | 319,155 | 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 | $21.5M | $751K | 3.48% | 0.35% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $141.0M | $29.3M | 20.75% | 13.76% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $30.6M | $15.8M | 51.57% | 7.43% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $5.1M | $7.6M | 150.00% | 3.57% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $142.8M | $131.1M | 91.78% | 61.63% | RC-R Part II, item 4.d, 5.d |
| All other assets | $17.4M | $16.3M | 93.66% | 7.65% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $12.2M | $11.9M | 97.44% | 5.60% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| 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 | $212.6M | ties to item 31 ($212.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $212.6M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $212.6M | 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 | 20.11% | 20.11% | 21.13% | 12.31% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 22.19% | 22.19% | 23.29% | 12.48% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 21.72% | 21.72% | 22.91% | 12.82% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 22.07% | 22.07% | 23.32% | 12.77% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 23.23% | 23.23% | 24.48% | 12.99% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 23.04% | 23.04% | 24.21% | 12.86% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 23.23% | 23.23% | 24.41% | 12.44% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 23.66% | 23.66% | 24.88% | 11.42% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 22.98% | 22.98% | 24.19% | 10.98% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 21.86% | 21.86% | 23.04% | 11.49% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 23.04% | 23.04% | 24.28% | 11.56% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 23.00% | 23.00% | 24.14% | 11.19% | 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 |
|---|---|---|---|---|---|---|
| Ozona Bank (this bank) | Risk-based | 20.11% | 20.11% | 21.13% | 12.31% | |
| Community State Bank | $345.8M | CBLR | NA | NA | NA | 10.47% |
| Waumandee State Bank | $345.5M | Risk-based | 13.75% | 13.75% | 15.00% | 9.39% |
| First National Community Bank | $345.3M | Risk-based | 13.17% | 13.17% | 14.19% | 9.38% |
| Goppert State Service Bank | $345.3M | CBLR | NA | NA | NA | 9.28% |
| Community Bank of Raymore | $346.9M | Risk-based | 20.21% | 20.21% | 20.58% | 9.70% |
| First Southern Bank | $347.2M | Risk-based | 14.87% | 14.87% | 15.76% | 10.92% |
| Kerndt Brothers Savings Bank | $347.2M | CBLR | NA | NA | NA | 10.88% |
| Gulfside Bank | $344.6M | CBLR | NA | NA | NA | 11.24% |
| The First National Bank of Hereford | $344.6M | CBLR | NA | NA | NA | 12.32% |
| Peer 25th percentile | 13.60% | 13.60% | 14.79% | 9.39% | ||
| Peer median | 14.31% | 14.31% | 15.38% | 10.47% | ||
| Peer 75th percentile | 16.20% | 16.20% | 16.96% | 10.92% | ||
| This bank's percentile | 75 | 75 | 100 | 89 |
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/780263/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.