Planters Bank, Inc.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.26% (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: 8.26% (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 15.01% +8.51 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 | $244.4M | 244,445 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.63B | 1,629,019 | RCOAA223 |
| Recomputed ratio | 15.01% | numerator / denominator | |
| Filed ratio | 15.01% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.51 pp | $138.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.01% +7.01 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 | $244.4M | 244,445 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.63B | 1,629,019 | RCOAA223 |
| Recomputed ratio | 15.01% | numerator / denominator | |
| Filed ratio | 15.01% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.01 pp | $114.1M | capital that could be lost first |
Total risk-based capital ratio 16.26% +6.26 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 | $264.8M | 264,833 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.63B | 1,629,019 | RCOAA223 |
| Recomputed ratio | 16.26% | numerator / denominator | |
| Filed ratio | 16.26% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.26 pp | $101.9M | capital that could be lost first |
Tier 1 leverage ratio 12.45% +7.45 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 | $244.4M | 244,445 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.96B | 1,963,738 | RCOAA224 |
| Recomputed ratio | 12.45% | numerator / denominator | |
| Filed ratio | 12.45% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.45 pp | $146.3M | 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 | 106,721 | 106,721 | 106,721 | 106,721 | 106,721 | 106,721 | RCOAP742 |
| Retained earnings | 137,724 | 134,923 | 129,342 | 124,777 | 119,552 | 114,426 | RCOAKW00 |
| Accumulated other comprehensive income | (12,858) | (13,016) | (10,607) | (11,661) | (16,359) | (15,774) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 231,587 | 228,628 | 225,456 | 219,837 | 209,914 | 205,373 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 12,858 | 13,016 | 10,607 | 11,661 | 16,359 | 15,774 | P859 - P840 |
| Common equity Tier 1 capital | 244,445 | 241,644 | 236,063 | 231,498 | 226,273 | 221,147 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 244,445 | 241,644 | 236,063 | 231,498 | 226,273 | 221,147 | RCOA8274 |
| Tier 2 capital | 20,388 | 20,042 | 20,190 | 21,154 | 21,379 | 21,766 | RCOA5311 |
| Allowance includable in Tier 2 capital | 20,388 | 20,042 | 20,190 | 21,154 | 21,379 | 21,766 | RCOA5310 |
| Total capital | 264,833 | 261,686 | 256,253 | 252,652 | 247,652 | 242,913 | RCOA3792 |
| Total risk-weighted assets | 1,629,019 | 1,601,306 | 1,614,048 | 1,690,341 | 1,709,307 | 1,741,208 | RCOAA223 |
| Average total assets for the leverage ratio | 1,963,738 | 1,930,874 | 1,941,000 | 1,924,155 | 1,872,349 | 1,861,376 | 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 | $146.0M | $2.3M | 1.57% | 0.14% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $315.3M | $69.3M | 21.98% | 4.25% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $38K | $8K | 20.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $327.0M | $181.1M | 55.40% | 11.11% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $79.7M | $119.5M | 150.00% | 7.33% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $565K | $848K | 150.00% | 0.05% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.07B | $1.06B | 99.16% | 64.78% | RC-R Part II, item 4.d, 5.d |
| All other assets | $59.2M | $55.9M | 94.45% | 3.43% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $139.9M | $139.9M | 100.00% | 8.57% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $5.6M | NA | 0.34% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.63B | ties to item 31 ($1.63B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.63B | RCONB704 |
| Less: excess allowance for credit losses | $2.0M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.63B | 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 | 15.01% | 15.01% | 16.26% | 12.45% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 15.09% | 15.09% | 16.34% | 12.51% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 14.63% | 14.63% | 15.88% | 12.16% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.70% | 13.70% | 14.95% | 12.03% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.24% | 13.24% | 14.49% | 12.09% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.70% | 12.70% | 13.95% | 11.88% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.59% | 12.59% | 13.81% | 11.56% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.05% | 12.05% | 13.23% | 11.36% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.69% | 11.69% | 12.83% | 11.26% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.45% | 11.45% | 12.64% | 11.24% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.42% | 11.42% | 12.57% | 11.47% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.61% | 11.61% | 12.79% | 11.47% | 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 |
|---|---|---|---|---|---|---|
| Planters Bank, Inc. (this bank) | Risk-based | 15.01% | 15.01% | 16.26% | 12.45% | |
| Citizens National Bank | $1.96B | Risk-based | 15.08% | 15.08% | 16.27% | 11.17% |
| First Commerce Bank | $1.96B | Risk-based | 11.17% | 11.17% | 12.12% | 10.15% |
| Commonwealth Business Bank | $1.97B | Risk-based | 18.65% | 18.65% | 19.87% | 13.93% |
| Tri City National Bank | $1.95B | CBLR | NA | NA | NA | 11.10% |
| South Atlantic Bank | $1.98B | Risk-based | 11.27% | 11.27% | 12.21% | 9.42% |
| Climate First Bank | $1.94B | Risk-based | 9.83% | 9.83% | 10.87% | 9.66% |
| Thomaston Savings Bank | $1.93B | CBLR | NA | NA | NA | 10.68% |
| Bankwest, Incorporated | $1.93B | Risk-based | 10.58% | 10.58% | 11.57% | 9.21% |
| Great Plains National Bank | $1.93B | Risk-based | 10.86% | 10.86% | 12.10% | 9.42% |
| Heritage Bank, Inc. | $1.99B | Risk-based | 11.86% | 11.86% | 12.97% | 9.01% |
| Peer 25th percentile | 10.79% | 10.79% | 11.97% | 9.42% | ||
| Peer median | 11.22% | 11.22% | 12.16% | 9.91% | ||
| Peer 75th percentile | 12.66% | 12.66% | 13.80% | 10.99% | ||
| This bank's percentile | 75 | 75 | 75 | 90 |
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/2497181/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.