The Private Trust Company, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 234.64% (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: 234.64% (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 242.64% +236.14 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 | $30.0M | 30,022 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $12.4M | 12,373 | RCOAA223 |
| Recomputed ratio | 242.64% | numerator / denominator | |
| Filed ratio | 242.64% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +236.14 pp | $29.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 242.64% +234.64 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 | $30.0M | 30,022 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $12.4M | 12,373 | RCOAA223 |
| Recomputed ratio | 242.64% | numerator / denominator | |
| Filed ratio | 242.64% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +234.64 pp | $29.0M | capital that could be lost first |
Total risk-based capital ratio 242.64% +232.64 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 | $30.0M | 30,022 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $12.4M | 12,373 | RCOAA223 |
| Recomputed ratio | 242.64% | numerator / denominator | |
| Filed ratio | 242.64% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +232.64 pp | $28.8M | capital that could be lost first |
Tier 1 leverage ratio 91.77% +86.77 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 | $30.0M | 30,022 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $32.7M | 32,715 | RCOAA224 |
| Recomputed ratio | 91.77% | numerator / denominator | |
| Filed ratio | 91.77% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +86.77 pp | $28.4M | 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 | 15,788 | 15,690 | 15,581 | 15,492 | 15,410 | 15,327 | RCOAP742 |
| Retained earnings | 16,218 | 14,574 | 12,205 | 15,073 | 12,901 | 10,416 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 32,006 | 30,264 | 27,786 | 30,565 | 28,311 | 25,743 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,984) | (1,984) | (1,984) | (1,984) | (1,984) | (1,984) | P859 - P840 |
| Common equity Tier 1 capital | 30,022 | 28,280 | 25,802 | 28,581 | 26,327 | 23,759 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 30,022 | 28,280 | 25,802 | 28,581 | 26,327 | 23,759 | RCOA8274 |
| Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOA5311 |
| Allowance includable in Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOA5310 |
| Total capital | 30,022 | 28,280 | 25,802 | 28,581 | 26,327 | 23,759 | RCOA3792 |
| Total risk-weighted assets | 12,373 | 6,782 | 5,565 | 5,549 | 4,384 | 3,097 | RCOAA223 |
| Average total assets for the leverage ratio | 32,715 | 31,348 | 32,219 | 30,830 | 27,911 | 25,891 | 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 | $5.1M | $1.0M | 20.00% | 8.32% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $23.2M | $7.7M | 33.15% | 62.09% | RC-R Part II, item 2.a, 2.b |
| All other assets | $4.1M | $3.7M | 88.60% | 29.59% | RC-R Part II, item 8 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $12.4M | ties to item 31 ($12.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $12.4M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $12.4M | 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 | 242.64% | 242.64% | 242.64% | 91.77% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | Risk-based | 416.99% | 416.99% | 416.99% | 90.21% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | Risk-based | 463.65% | 463.65% | 463.65% | 80.08% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | Risk-based | 515.07% | 515.07% | 515.07% | 92.71% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | Risk-based | 600.52% | 600.52% | 600.52% | 94.32% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | Risk-based | 767.16% | 767.16% | 767.16% | 91.77% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | Risk-based | NA | NA | NA | 78.68% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | Risk-based | NA | NA | NA | 91.91% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | Risk-based | NA | NA | NA | 91.88% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | NA | NA | NA | 92.71% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | NA | NA | NA | 90.22% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | Risk-based | NA | NA | NA | 80.77% | 20.70% | 20.70% | 21.86% | 12.73% |
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 |
|---|---|---|---|---|---|---|
| The Private Trust Company, N.A. (this bank) | Risk-based | 242.64% | 242.64% | 242.64% | 91.77% | |
| First American Bank | $34.3M | CBLR | NA | NA | NA | 13.06% |
| Members Trust Company | $34.3M | CBLR | NA | NA | NA | 91.41% |
| The First State Bank of Dongola | $34.7M | Risk-based | 19.06% | 19.06% | 20.02% | 9.81% |
| The First National Bank of Proctor | $34.0M | Risk-based | 25.38% | 25.38% | 26.18% | 8.47% |
| Dayforce National Trust Bank | $33.9M | CBLR | NA | NA | NA | 104.15% |
| First Summit Bank | $33.8M | CBLR | NA | NA | NA | 13.68% |
| Marquette Farmers State Bank of Marquette Kansas | $33.6M | CBLR | NA | NA | NA | 17.54% |
| Farmers State Bank | $35.4M | Risk-based | 27.75% | 27.75% | 29.00% | 10.85% |
| The Marion National Bank | $35.4M | CBLR | NA | NA | NA | 12.99% |
| Citizens State Bank | $35.6M | CBLR | NA | NA | NA | 11.43% |
| Peer 25th percentile | 22.22% | 22.22% | 23.10% | 11.00% | ||
| Peer median | 25.38% | 25.38% | 26.18% | 13.03% | ||
| Peer 75th percentile | 26.57% | 26.57% | 27.59% | 16.58% | ||
| This bank's percentile | 100 | 100 | 100 | 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/2328285/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.