Private Bank & Trust: Regulatory Capital and Risk-Weighted Assets
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As of 3Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 40.92% (3Q26), 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: 40.92% (RCOAH311).
What each ratio is made of, 3Q26
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 48.92% +42.42 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 | $19.2M | 19,235 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $39.3M | 39,320 | RCOAA223 |
| Recomputed ratio | 48.92% | numerator / denominator | |
| Filed ratio | 48.92% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +42.42 pp | $16.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 48.92% +40.92 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 | $19.2M | 19,235 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $39.3M | 39,320 | RCOAA223 |
| Recomputed ratio | 48.92% | numerator / denominator | |
| Filed ratio | 48.92% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +40.92 pp | $16.1M | capital that could be lost first |
Total risk-based capital ratio 48.92% +38.92 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 | $19.2M | 19,235 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $39.3M | 39,320 | RCOAA223 |
| Recomputed ratio | 48.92% | numerator / denominator | |
| Filed ratio | 48.92% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +38.92 pp | $15.3M | capital that could be lost first |
Tier 1 leverage ratio 4473.26% +4468.26 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 | $19.2M | 19,235 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $430K | 430 | RCOAA224 |
| Recomputed ratio | 4473.26% | numerator / denominator | |
| Filed ratio | 4473.26% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4468.26 pp | $19.2M | 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 | 3Q26 | Source |
|---|---|---|
| Common stock plus related surplus, net of treasury stock | 20,000 | RCOAP742 |
| Retained earnings | (765) | RCOAKW00 |
| Accumulated other comprehensive income | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 19,235 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 19,235 | RCOAP859 |
| Additional Tier 1 capital | 0 | RCOAP865 |
| Tier 1 capital | 19,235 | RCOA8274 |
| Tier 2 capital | 0 | RCOA5311 |
| Allowance includable in Tier 2 capital | 0 | RCOA5310 |
| Total capital | 19,235 | RCOA3792 |
| Total risk-weighted assets | 39,320 | RCOAA223 |
| Average total assets for the leverage ratio | 430 | RCOAA224 |
Risk-weighted assets by exposure category, 3Q26
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 |
|---|---|---|---|---|---|
| Market risk and other approaches | — | $39.3M | — | 100.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $0 | ties to item 31 ($0) |
|---|---|---|
| Risk-weighted assets before deductions | $39.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $39.3M | RCONG641, ties |
1 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 |
|---|---|---|---|---|---|---|---|---|---|
| 3Q26 | Risk-based | 48.92% | 48.92% | 48.92% | 4473.26% | 21.64% | 21.64% | 22.81% | 13.05% |
A dash 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, 3Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Private Bank & Trust (this bank) | Risk-based | 48.92% | 48.92% | 48.92% | 4473.26% | |
| 2UNIFI Bank | $39.5M | Risk-based | 142.66% | 142.66% | 143.13% | 38.45% |
| First State Bank of Van Orin | $39.1M | Risk-based | 27.00% | 27.00% | 28.16% | 13.23% |
| State Bank of Canton | $39.0M | Risk-based | 41.88% | 41.88% | 42.86% | 21.78% |
| Credit First N.A. | $39.8M | Risk-based | 397.78% | 397.78% | 397.78% | 97.42% |
| State Bank of Nauvoo | $39.8M | CBLR | — | — | — | 8.02% |
| Bank of Mead | $38.8M | CBLR | — | — | — | 10.43% |
| Kingstree Federal Savings and Loan Association | $40.0M | CBLR | — | — | — | 12.95% |
| Citizens State Bank | $38.6M | CBLR | — | — | — | 11.16% |
| State Bank of Jeffers | $38.5M | Risk-based | 20.45% | 20.45% | 21.40% | 14.72% |
| The Farmers State Bank of Turton | $40.2M | Risk-based | 20.02% | 20.02% | 21.05% | 11.12% |
| Peer 25th percentile | 22.09% | 22.09% | 23.09% | 11.13% | ||
| Peer median | 34.44% | 34.44% | 35.51% | 13.09% | ||
| Peer 75th percentile | 117.46% | 117.46% | 118.06% | 20.01% | ||
| This bank's percentile | 67 | 67 | 67 | 100 |
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/6097196/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.