Principal Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.07% (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: 7.07% (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 14.91% +8.41 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 | $721.9M | 721,866 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.84B | 4,840,383 | RCOAA223 |
| Recomputed ratio | 14.91% | numerator / denominator | |
| Filed ratio | 14.91% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.41 pp | $407.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.91% +6.91 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 | $721.9M | 721,866 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.84B | 4,840,383 | RCOAA223 |
| Recomputed ratio | 14.91% | numerator / denominator | |
| Filed ratio | 14.91% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.91 pp | $334.6M | capital that could be lost first |
Total risk-based capital ratio 15.07% +5.07 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 | $729.3M | 729,314 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.84B | 4,840,383 | RCOAA223 |
| Recomputed ratio | 15.07% | numerator / denominator | |
| Filed ratio | 15.07% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.07 pp | $245.3M | capital that could be lost first |
Tier 1 leverage ratio 7.13% +2.13 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 | $721.9M | 721,866 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $10.12B | 10,119,840 | RCOAA224 |
| Recomputed ratio | 7.13% | numerator / denominator | |
| Filed ratio | 7.13% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +2.13 pp | $215.9M | 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 | 349,883 | 349,666 | 349,422 | 349,225 | 349,021 | 348,820 | RCOAP742 |
| Retained earnings | 371,983 | 356,674 | 346,186 | 333,600 | 336,491 | 343,465 | RCOAKW00 |
| Accumulated other comprehensive income | (227,955) | (223,684) | (204,543) | (222,420) | (250,146) | (275,135) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 493,911 | 482,656 | 491,065 | 460,405 | 435,366 | 417,150 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 227,955 | 223,684 | 204,543 | 222,420 | 250,146 | 275,135 | P859 - P840 |
| Common equity Tier 1 capital | 721,866 | 706,340 | 695,608 | 682,825 | 685,512 | 692,285 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 721,866 | 706,340 | 695,608 | 682,825 | 685,512 | 692,285 | RCOA8274 |
| Tier 2 capital | 7,448 | 6,529 | 8,369 | 10,262 | 9,117 | 7,231 | RCOA5311 |
| Allowance includable in Tier 2 capital | 7,448 | 6,529 | 8,369 | 10,262 | 9,117 | 7,231 | RCOA5310 |
| Total capital | 729,314 | 712,869 | 703,977 | 693,087 | 694,629 | 699,516 | RCOA3792 |
| Total risk-weighted assets | 4,840,383 | 4,636,007 | 4,498,873 | 4,333,691 | 4,260,101 | 4,286,244 | RCOAA223 |
| Average total assets for the leverage ratio | 10,119,840 | 9,784,724 | 9,640,403 | 9,631,423 | 9,427,489 | 9,349,333 | 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 | $341.7M | $68.3M | 20.00% | 1.41% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $4.54B | $1.84B | 40.50% | 38.01% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $2.98B | $1.49B | 50.00% | 30.78% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $13.1M | $19.7M | 150.00% | 0.41% | RC-R Part II, item 4.c, 5.c |
| All other assets | $298.5M | $282.3M | 94.57% | 5.83% | RC-R Part II, item 8 |
| Derivatives (over the counter and centrally cleared) | $45.5M | $0 | 0.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1.14B | NA | 23.56% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $3.70B | ties to item 31 ($3.70B) |
|---|---|---|
| Risk-weighted assets before deductions | $4.84B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $4.84B | 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 | 14.91% | 14.91% | 15.07% | 7.13% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 15.24% | 15.24% | 15.38% | 7.22% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 15.46% | 15.46% | 15.65% | 7.22% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 15.76% | 15.76% | 15.99% | 7.09% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 16.09% | 16.09% | 16.31% | 7.27% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 16.15% | 16.15% | 16.32% | 7.40% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 16.19% | 16.19% | 16.32% | 7.41% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 17.24% | 17.24% | 17.39% | 7.69% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 17.87% | 17.87% | 18.05% | 7.97% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 18.05% | 18.05% | 18.22% | 8.22% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 18.03% | 18.03% | 18.16% | 8.37% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 17.82% | 17.82% | 17.96% | 8.44% | 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 |
|---|---|---|---|---|---|---|
| Principal Bank (this bank) | Risk-based | 14.91% | 14.91% | 15.07% | 7.13% | |
| Byline Bank | $9.91B | Risk-based | 14.00% | 14.00% | 15.25% | 12.88% |
| Tri Counties Bank | $9.93B | Risk-based | 13.69% | 13.69% | 14.94% | 12.00% |
| S & T Bank | $9.94B | Risk-based | 13.28% | 13.28% | 14.84% | 11.02% |
| Capitol Federal Savings Bank | $9.68B | CBLR | NA | NA | NA | 9.57% |
| EagleBank | $9.62B | Risk-based | 14.95% | 14.95% | 16.20% | 11.49% |
| RBC Bank (Georgia), N.A. | $9.59B | Risk-based | 48.11% | 48.11% | 49.16% | 10.42% |
| Wintrust Bank, N.A. | $9.57B | Risk-based | 12.25% | 12.25% | 13.27% | 11.41% |
| Peoples Bank | $9.53B | Risk-based | 12.30% | 12.30% | 13.40% | 9.70% |
| Amalgamated Bank | $9.41B | Risk-based | 14.78% | 14.78% | 15.96% | 9.60% |
| Liberty Bank | $9.38B | Risk-based | 13.66% | 13.66% | 14.65% | 13.37% |
| Peer 25th percentile | 13.28% | 13.28% | 14.65% | 9.88% | ||
| Peer median | 13.69% | 13.69% | 14.94% | 11.21% | ||
| Peer 75th percentile | 14.78% | 14.78% | 15.96% | 11.87% | ||
| This bank's percentile | 78 | 78 | 56 | 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/2654911/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.