Prinsbank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 10.89% (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: 10.89% (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 17.59% +11.09 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 | $35.7M | 35,674 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $202.8M | 202,835 | RCOAA223 |
| Recomputed ratio | 17.59% | numerator / denominator | |
| Filed ratio | 17.59% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +11.09 pp | $22.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 17.59% +9.59 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 | $35.7M | 35,674 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $202.8M | 202,835 | RCOAA223 |
| Recomputed ratio | 17.59% | numerator / denominator | |
| Filed ratio | 17.59% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +9.59 pp | $19.4M | capital that could be lost first |
Total risk-based capital ratio 18.89% +8.89 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 | $38.3M | 38,309 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $202.8M | 202,835 | RCOAA223 |
| Recomputed ratio | 18.89% | numerator / denominator | |
| Filed ratio | 18.89% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +8.89 pp | $18.0M | capital that could be lost first |
Tier 1 leverage ratio 11.99% +6.99 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 | $35.7M | 35,674 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $297.4M | 297,450 | RCOAA224 |
| Recomputed ratio | 11.99% | numerator / denominator | |
| Filed ratio | 11.99% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.99 pp | $20.8M | 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 | 21,514 | 21,514 | 11,500 | 11,000 | 11,000 | 11,000 | RCOAP742 |
| Retained earnings | 16,194 | 12,893 | 13,018 | 12,668 | 21,813 | 20,852 | RCOAKW00 |
| Accumulated other comprehensive income | (12) | (18) | 145 | 87 | 118 | 65 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 37,696 | 34,389 | 24,663 | 23,755 | 32,931 | 31,917 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,022) | (2,274) | (145) | (87) | (118) | (65) | P859 - P840 |
| Common equity Tier 1 capital | 35,674 | 32,115 | 24,518 | 23,668 | 32,813 | 31,852 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 35,674 | 32,115 | 24,518 | 23,668 | 32,813 | 31,852 | RCOA8274 |
| Tier 2 capital | 2,635 | 2,538 | 2,045 | 1,985 | 1,903 | 1,881 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,635 | 2,538 | 2,045 | 1,985 | 1,903 | 1,881 | RCOA5310 |
| Total capital | 38,309 | 34,653 | 26,563 | 25,653 | 34,716 | 33,733 | RCOA3792 |
| Total risk-weighted assets | 202,835 | 192,441 | 153,090 | 148,465 | 142,053 | 140,383 | RCOAA223 |
| Average total assets for the leverage ratio | 297,450 | 298,539 | 206,174 | 213,966 | 214,667 | 211,879 | 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 | $83.8M | $16.5M | 19.67% | 7.82% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $36.9M | $3.0M | 8.13% | 1.42% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $17.7M | $5.1M | 29.07% | 2.44% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $521K | $521K | 100.00% | 0.25% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $171.0M | $171.0M | 100.00% | 81.11% | RC-R Part II, item 4.d, 5.d |
| All other assets | $8.8M | $7.7M | 87.36% | 3.64% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $210K | $2.6M | 1250.00% | 1.25% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $4.4M | $4.4M | 100.00% | 2.07% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $700 | 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 | $210.8M | ties to item 31 ($210.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $210.8M | RCONB704 |
| Less: excess allowance for credit losses | $8.0M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $202.8M | 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 | 17.59% | 17.59% | 18.89% | 11.99% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 16.69% | 16.69% | 18.01% | 10.76% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 16.02% | 16.02% | 17.35% | 11.89% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 15.94% | 15.94% | 17.28% | 11.06% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 23.10% | 23.10% | 24.44% | 15.29% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 22.69% | 22.69% | 24.03% | 15.03% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 22.45% | 22.45% | 23.78% | 16.13% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 21.07% | 21.07% | 22.40% | 15.72% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 21.58% | 21.58% | 22.91% | 16.21% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 20.80% | 20.80% | 22.13% | 15.87% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 20.51% | 20.51% | 21.83% | 15.97% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 20.53% | 20.53% | 21.85% | 16.02% | 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 |
|---|---|---|---|---|---|---|
| Prinsbank (this bank) | Risk-based | 17.59% | 17.59% | 18.89% | 11.99% | |
| Bank of Montana | $308.6M | Risk-based | 35.70% | 35.70% | 36.22% | 8.89% |
| United National Bank | $308.7M | Risk-based | 21.05% | 21.05% | 22.32% | 14.77% |
| Farmers & Merchants Bank | $308.7M | Risk-based | 17.02% | 17.02% | 17.87% | 12.73% |
| First State Bank | $308.8M | Risk-based | 17.14% | 17.14% | 18.08% | 10.08% |
| Sundown State Bank | $307.7M | CBLR | NA | NA | NA | 11.63% |
| Farmers and Merchants Bank | $307.6M | CBLR | NA | NA | NA | 11.56% |
| Community First Banking Company | $307.3M | CBLR | NA | NA | NA | 10.31% |
| Washington State Bank | $309.2M | Risk-based | 14.96% | 14.96% | 15.91% | 10.81% |
| Hometown National Bank | $307.2M | Risk-based | 19.25% | 19.25% | 20.31% | 11.30% |
| The Pecos County State Bank | $309.4M | CBLR | NA | NA | NA | 11.57% |
| Peer 25th percentile | 17.05% | 17.05% | 17.92% | 10.43% | ||
| Peer median | 18.19% | 18.19% | 19.19% | 11.43% | ||
| Peer 75th percentile | 20.60% | 20.60% | 21.82% | 11.62% | ||
| This bank's percentile | 50 | 50 | 50 | 80 |
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/787459/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.