Patriot Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.12% (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: 5.12% (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 12.39% +5.89 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 | $43.4M | 43,444 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $350.7M | 350,683 | RCOAA223 |
| Recomputed ratio | 12.39% | numerator / denominator | |
| Filed ratio | 12.39% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.89 pp | $20.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.39% +4.39 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 | $43.4M | 43,444 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $350.7M | 350,683 | RCOAA223 |
| Recomputed ratio | 12.39% | numerator / denominator | |
| Filed ratio | 12.39% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.39 pp | $15.4M | capital that could be lost first |
Total risk-based capital ratio 13.12% +3.12 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 | $46.0M | 46,005 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $350.7M | 350,683 | RCOAA223 |
| Recomputed ratio | 13.12% | numerator / denominator | |
| Filed ratio | 13.12% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.12 pp | $10.9M | capital that could be lost first |
Tier 1 leverage ratio 9.89% +4.89 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 | $43.4M | 43,444 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $439.4M | 439,449 | RCOAA224 |
| Recomputed ratio | 9.89% | numerator / denominator | |
| Filed ratio | 9.89% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.89 pp | $21.5M | 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 | 9,603 | 9,603 | 9,603 | 9,603 | 9,603 | 9,603 | RCOAP742 |
| Retained earnings | 34,204 | 34,210 | 33,968 | 35,072 | 34,629 | 34,043 | RCOAKW00 |
| Accumulated other comprehensive income | (3,042) | (3,219) | (3,032) | (3,215) | (5,444) | (5,302) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 40,765 | 40,594 | 40,539 | 41,460 | 38,788 | 38,344 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,679 | 2,856 | 2,669 | 2,852 | 5,081 | 4,939 | P859 - P840 |
| Common equity Tier 1 capital | 43,444 | 43,450 | 43,208 | 44,312 | 43,869 | 43,283 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 43,444 | 43,450 | 43,208 | 44,312 | 43,869 | 43,283 | RCOA8274 |
| Tier 2 capital | 2,561 | 2,441 | 2,403 | 2,891 | 2,906 | 3,060 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,561 | 2,441 | 2,403 | 2,891 | 2,906 | 3,060 | RCOA5310 |
| Total capital | 46,005 | 45,891 | 45,611 | 47,203 | 46,775 | 46,343 | RCOA3792 |
| Total risk-weighted assets | 350,683 | 346,562 | 344,407 | 343,411 | 338,580 | 344,479 | RCOAA223 |
| Average total assets for the leverage ratio | 439,449 | 434,490 | 433,468 | 426,476 | 443,164 | 447,156 | 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 | $20.9M | $2.1M | 10.17% | 0.61% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $139.9M | $55.4M | 39.63% | 15.80% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $19.6M | $7.1M | 36.56% | 2.04% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $89.2M | $66.0M | 74.06% | 18.83% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.8M | $2.7M | 150.00% | 0.77% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $164.1M | $164.1M | 100.00% | 46.79% | RC-R Part II, item 4.d, 5.d |
| All other assets | $25.3M | $25.3M | 100.00% | 7.21% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $24.4M | $24.4M | 100.00% | 6.95% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $3.5M | NA | 1.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $347.2M | does not tie to item 31 ($350.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $350.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $350.7M | 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 | 12.39% | 12.39% | 13.12% | 9.89% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.54% | 12.54% | 13.24% | 10.00% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.55% | 12.55% | 13.24% | 9.97% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.90% | 12.90% | 13.75% | 10.39% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.96% | 12.96% | 13.82% | 9.90% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.56% | 12.56% | 13.45% | 9.68% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.29% | 12.29% | 13.14% | 9.61% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.33% | 12.33% | 13.31% | 9.70% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.36% | 11.36% | 12.37% | 9.06% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.44% | 11.44% | 12.52% | 8.89% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.52% | 11.52% | 12.62% | 9.11% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.57% | 11.57% | 12.67% | 9.02% | 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 |
|---|---|---|---|---|---|---|
| Patriot Bank (this bank) | Risk-based | 12.39% | 12.39% | 13.12% | 9.89% | |
| Pittsfield Co-Operative Bank | $451.5M | Risk-based | 18.63% | 18.63% | 19.36% | 13.41% |
| The Citizens State Bank | $450.6M | CBLR | NA | NA | NA | 14.45% |
| Watermark Bank | $450.5M | Risk-based | 14.11% | 14.11% | 15.36% | 13.29% |
| The Liberty National Bank in Paris | $452.1M | CBLR | NA | NA | NA | 12.76% |
| Greatamerica Bank N.A. | $450.0M | CBLR | NA | NA | NA | 61.62% |
| The City National Bank of Colorado City | $452.4M | CBLR | NA | NA | NA | 10.97% |
| Welch State Bank of Welch, Okla. | $449.8M | CBLR | NA | NA | NA | 10.20% |
| First National Bank | $452.8M | CBLR | NA | NA | NA | 10.31% |
| First Peoples Bank | $449.4M | Risk-based | 14.48% | 14.48% | 15.73% | 12.84% |
| Peer 25th percentile | 14.29% | 14.29% | 15.54% | 10.97% | ||
| Peer median | 14.48% | 14.48% | 15.73% | 12.84% | ||
| Peer 75th percentile | 16.55% | 16.55% | 17.55% | 13.41% | ||
| This bank's percentile | 0 | 0 | 0 | 0 |
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/3120646/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.