Patriot Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.15% (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: 6.15% (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 | $121.6M | 121,629 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $920.0M | 920,014 | 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 | $61.8M | 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 | $121.6M | 121,629 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $920.0M | 920,014 | 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 | $48.0M | capital that could be lost first |
Total risk-based capital ratio 14.15% +4.15 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 | $130.2M | 130,212 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $920.0M | 920,014 | RCOAA223 |
| Recomputed ratio | 14.15% | numerator / denominator | |
| Filed ratio | 14.15% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.15 pp | $38.2M | capital that could be lost first |
Tier 1 leverage ratio 9.60% +4.60 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 | $121.6M | 121,629 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.27B | 1,266,639 | RCOAA224 |
| Recomputed ratio | 9.60% | numerator / denominator | |
| Filed ratio | 9.60% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.60 pp | $58.3M | 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 | 186,025 | 182,025 | 182,025 | 180,025 | 165,025 | 160,025 | RCOAP742 |
| Retained earnings | (63,946) | (66,666) | (65,260) | (66,531) | (66,990) | (64,536) | RCOAKW00 |
| Accumulated other comprehensive income | (16,388) | (14,335) | (12,119) | (11,921) | (13,435) | (14,232) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 105,691 | 101,024 | 104,646 | 101,573 | 84,600 | 81,257 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 15,938 | 14,238 | 12,010 | 11,800 | 13,303 | 14,088 | P859 - P840 |
| Common equity Tier 1 capital | 121,629 | 115,262 | 116,656 | 113,373 | 97,903 | 95,345 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 121,629 | 115,262 | 116,656 | 113,373 | 97,903 | 95,345 | RCOA8274 |
| Tier 2 capital | 8,583 | 7,874 | 3,672 | 3,994 | 4,629 | 3,641 | RCOA5311 |
| Allowance includable in Tier 2 capital | 8,583 | 7,874 | 3,672 | 3,994 | 4,629 | 3,641 | RCOA5310 |
| Total capital | 130,212 | 123,136 | 120,328 | 117,367 | 102,532 | 98,986 | RCOA3792 |
| Total risk-weighted assets | 920,014 | 757,819 | 625,164 | 611,540 | 627,311 | 700,290 | RCOAA223 |
| Average total assets for the leverage ratio | 1,266,639 | 1,220,042 | 1,021,948 | 948,396 | 969,575 | 1,033,234 | 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 | $116.9M | $400K | 0.34% | 0.04% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $261.3M | $29.1M | 11.13% | 3.16% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $208.2M | $104.1M | 50.00% | 11.32% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $25.0M | $37.6M | 150.00% | 4.08% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $676.3M | $661.1M | 97.75% | 71.86% | RC-R Part II, item 4.d, 5.d |
| All other assets | $63.6M | $55.4M | 87.14% | 6.02% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $31.8M | $31.8M | 100.00% | 3.45% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $64K | $64K | 100.00% | 0.01% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $514K | NA | 0.06% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $919.5M | ties to item 31 ($919.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $920.0M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $920.0M | 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% | 14.15% | 9.60% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 15.21% | 15.21% | 16.25% | 9.45% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 18.66% | 18.66% | 19.25% | 11.42% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 18.54% | 18.54% | 19.19% | 11.95% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 15.61% | 15.61% | 16.34% | 10.10% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.62% | 13.62% | 14.13% | 9.23% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 7.58% | 7.58% | 7.71% | 5.79% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 8.19% | 8.19% | 9.29% | 6.53% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.20% | 10.20% | 11.21% | 8.58% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.40% | 10.40% | 11.26% | 8.55% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.50% | 10.50% | 11.22% | 8.70% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 8.34% | 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 |
|---|---|---|---|---|---|---|
| Patriot Bank, N.A. (this bank) | Risk-based | 13.22% | 13.22% | 14.15% | 9.60% | |
| Alliance Bank Central Texas | $1.32B | CBLR | NA | NA | NA | 11.76% |
| Liberty National Bank | $1.32B | Risk-based | 14.38% | 14.38% | 15.47% | 10.31% |
| Greene County Commercial Bank | $1.32B | Risk-based | 51.28% | 51.28% | 51.28% | 10.05% |
| Cass Commercial Bank | $1.33B | Risk-based | 17.16% | 17.16% | 18.40% | 14.10% |
| First Capital Bank | $1.32B | CBLR | NA | NA | NA | 9.58% |
| Martha's Vineyard Bank | $1.33B | CBLR | NA | NA | NA | 11.75% |
| Security Bank & Trust Company | $1.33B | Risk-based | 13.90% | 13.90% | 14.96% | 9.37% |
| Amalgamated Bank of Chicago | $1.33B | Risk-based | 15.60% | 15.60% | 16.63% | 11.41% |
| Summit Bank | $1.33B | CBLR | NA | NA | NA | 11.34% |
| Piedmont Federal Savings Bank | $1.32B | CBLR | NA | NA | NA | 18.60% |
| Peer 25th percentile | 14.38% | 14.38% | 15.47% | 10.12% | ||
| Peer median | 15.60% | 15.60% | 16.63% | 11.37% | ||
| Peer 75th percentile | 17.16% | 17.16% | 18.40% | 11.76% | ||
| This bank's percentile | 0 | 0 | 0 | 20 |
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/2236821/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.