Pyramax Bank, F.S.B.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.09% (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: 8.09% (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 | $67.3M | 67,277 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $451.4M | 451,354 | 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 | $37.9M | 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 | $67.3M | 67,277 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $451.4M | 451,354 | 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 | $31.2M | capital that could be lost first |
Total risk-based capital ratio 16.09% +6.09 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 | $72.6M | 72,642 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $451.4M | 451,354 | RCOAA223 |
| Recomputed ratio | 16.09% | numerator / denominator | |
| Filed ratio | 16.09% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.09 pp | $27.5M | capital that could be lost first |
Tier 1 leverage ratio 11.22% +6.22 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 | $67.3M | 67,277 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $599.3M | 599,348 | RCOAA224 |
| Recomputed ratio | 11.22% | numerator / denominator | |
| Filed ratio | 11.22% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.22 pp | $37.3M | 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 | 26,244 | 26,232 | 26,225 | 26,031 | 26,025 | 26,022 | RCOAP742 |
| Retained earnings | 42,977 | 43,394 | 42,677 | 41,740 | 40,905 | 40,681 | RCOAKW00 |
| Accumulated other comprehensive income | (4,742) | (4,493) | (4,113) | (4,241) | (5,194) | (5,721) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 64,479 | 65,133 | 64,789 | 63,530 | 61,736 | 60,982 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,798 | 2,514 | 2,065 | 1,863 | 2,719 | 3,233 | P859 - P840 |
| Common equity Tier 1 capital | 67,277 | 67,647 | 66,854 | 65,393 | 64,455 | 64,215 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 67,277 | 67,647 | 66,854 | 65,393 | 64,455 | 64,215 | RCOA8274 |
| Tier 2 capital | 5,365 | 5,364 | 5,362 | 5,362 | 5,262 | 5,163 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,365 | 5,364 | 5,362 | 5,362 | 5,262 | 5,163 | RCOA5310 |
| Total capital | 72,642 | 73,011 | 72,216 | 70,755 | 69,717 | 69,378 | RCOA3792 |
| Total risk-weighted assets | 451,354 | 461,473 | 472,318 | 476,081 | 476,383 | 453,901 | RCOAA223 |
| Average total assets for the leverage ratio | 599,348 | 598,361 | 619,138 | 615,392 | 595,090 | 584,652 | 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 | $43.1M | $635K | 1.48% | 0.14% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $99.6M | $17.8M | 17.91% | 3.95% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.8M | $351K | 20.00% | 0.08% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $131.9M | $66.7M | 50.56% | 14.78% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.0M | $1.0M | 100.00% | 0.23% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $285.8M | $282.5M | 98.84% | 62.59% | RC-R Part II, item 4.d, 5.d |
| All other assets | $33.8M | $30.6M | 90.67% | 6.78% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $69.9M | $51.6M | 73.80% | 11.44% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $64K | NA | 0.01% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $451.3M | ties to item 31 ($451.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $451.4M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $451.4M | 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 | 14.91% | 14.91% | 16.09% | 11.22% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.66% | 14.66% | 15.82% | 11.31% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.15% | 14.15% | 15.29% | 10.80% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.74% | 13.74% | 14.86% | 10.63% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.53% | 13.53% | 14.63% | 10.83% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.15% | 14.15% | 15.28% | 10.98% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.54% | 14.54% | 15.69% | 11.11% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.87% | 14.87% | 16.04% | 11.20% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.66% | 14.66% | 15.79% | 11.15% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.82% | 14.82% | 15.92% | 11.22% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.14% | 15.14% | 16.25% | 11.18% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.03% | 15.03% | 16.12% | 11.09% | 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 |
|---|---|---|---|---|---|---|
| Pyramax Bank, F.S.B. (this bank) | Risk-based | 14.91% | 14.91% | 16.09% | 11.22% | |
| First National Bank of Eastern Arkansas | $589.5M | CBLR | NA | NA | NA | 10.95% |
| Peoples National Bank of Kewanee | $587.6M | Risk-based | 15.68% | 15.68% | 16.40% | 10.86% |
| The Bank of Holly Springs | $587.5M | CBLR | NA | NA | NA | 13.09% |
| Lee Bank | $591.2M | CBLR | NA | NA | NA | 9.63% |
| Kingston National Bank | $586.3M | Risk-based | 13.37% | 13.37% | 14.44% | 9.21% |
| First United Bank and Trust Company, Inc. | $591.4M | Risk-based | 14.22% | 14.22% | 15.37% | 9.53% |
| Deutsche Bank National Trust Company | $585.8M | CBLR | NA | NA | NA | 52.83% |
| Freedom Bank | $585.7M | Risk-based | 14.14% | 14.14% | 15.39% | 12.62% |
| Insouth Bank | $591.9M | Risk-based | 10.19% | 10.19% | 11.24% | 8.48% |
| Peer 25th percentile | 13.37% | 13.37% | 14.44% | 9.53% | ||
| Peer median | 14.14% | 14.14% | 15.37% | 10.86% | ||
| Peer 75th percentile | 14.22% | 14.22% | 15.39% | 12.62% | ||
| This bank's percentile | 80 | 80 | 80 | 67 |
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/713476/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.