Range Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.09% (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: 9.09% (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 15.85% +9.35 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 | $66.3M | 66,350 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $418.7M | 418,665 | RCOAA223 |
| Recomputed ratio | 15.85% | numerator / denominator | |
| Filed ratio | 15.85% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.35 pp | $39.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.85% +7.85 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 | $66.3M | 66,350 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $418.7M | 418,665 | RCOAA223 |
| Recomputed ratio | 15.85% | numerator / denominator | |
| Filed ratio | 15.85% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.85 pp | $32.9M | capital that could be lost first |
Total risk-based capital ratio 17.09% +7.09 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 | $71.5M | 71,537 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $418.7M | 418,665 | RCOAA223 |
| Recomputed ratio | 17.09% | numerator / denominator | |
| Filed ratio | 17.09% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.09 pp | $29.7M | capital that could be lost first |
Tier 1 leverage ratio 10.84% +5.84 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 | $66.3M | 66,350 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $612.1M | 612,147 | RCOAA224 |
| Recomputed ratio | 10.84% | numerator / denominator | |
| Filed ratio | 10.84% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.84 pp | $35.7M | 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 | 32,000 | 32,000 | 32,000 | 32,000 | 32,000 | 32,000 | RCOAP742 |
| Retained earnings | 36,122 | 34,208 | 32,778 | 30,934 | 29,616 | 21,502 | RCOAKW00 |
| Accumulated other comprehensive income | (2,555) | (2,396) | (2,140) | (2,600) | (3,740) | (4,297) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 65,567 | 63,812 | 62,638 | 60,334 | 57,876 | 49,205 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 783 | 624 | 368 | 828 | 1,968 | 2,525 | P859 - P840 |
| Common equity Tier 1 capital | 66,350 | 64,436 | 63,006 | 61,162 | 59,844 | 51,730 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 66,350 | 64,436 | 63,006 | 61,162 | 59,844 | 51,730 | RCOA8274 |
| Tier 2 capital | 5,187 | 5,310 | 5,222 | 5,207 | 5,053 | 4,933 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,187 | 5,310 | 5,222 | 5,207 | 5,053 | 4,933 | RCOA5310 |
| Total capital | 71,537 | 69,746 | 68,228 | 66,369 | 64,897 | 56,663 | RCOA3792 |
| Total risk-weighted assets | 418,665 | 424,788 | 417,664 | 416,556 | 404,055 | 394,428 | RCOAA223 |
| Average total assets for the leverage ratio | 612,147 | 622,366 | 622,207 | 615,042 | 579,839 | 577,802 | 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 | $24.7M | $1.6M | 6.62% | 0.39% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $118.2M | $16.8M | 14.23% | 4.02% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $161K | $32K | 20.00% | 0.01% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $128.9M | $76.0M | 58.98% | 18.16% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $576K | $864K | 150.00% | 0.21% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $100K | $150K | 150.00% | 0.04% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $248.0M | $248.0M | 99.98% | 59.23% | RC-R Part II, item 4.d, 5.d |
| All other assets | $31.5M | $35.5M | 112.83% | 8.48% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $27.3M | $27.3M | 100.00% | 6.52% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $539K | $539K | 100.00% | 0.13% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $11.8M | NA | 2.82% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $406.9M | does not tie to item 31 ($406.9M) |
|---|---|---|
| Risk-weighted assets before deductions | $418.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $418.7M | 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 | 15.85% | 15.85% | 17.09% | 10.84% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.17% | 15.17% | 16.42% | 10.35% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.09% | 15.09% | 16.34% | 10.13% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.68% | 14.68% | 15.93% | 9.94% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.81% | 14.81% | 16.06% | 10.32% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.12% | 13.12% | 14.37% | 8.95% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.01% | 13.01% | 14.26% | 8.32% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.77% | 12.77% | 14.02% | 8.30% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.34% | 12.34% | 13.59% | 8.30% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.12% | 13.12% | 14.37% | 8.18% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.66% | 12.66% | 13.91% | 8.17% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.42% | 12.42% | 13.67% | 8.19% | 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 |
|---|---|---|---|---|---|---|
| Range Bank (this bank) | Risk-based | 15.85% | 15.85% | 17.09% | 10.84% | |
| First Federal Community Bank, SSB | $603.6M | CBLR | NA | NA | NA | 13.10% |
| American Heritage National Bank | $604.7M | Risk-based | 17.48% | 17.48% | 18.73% | 11.89% |
| Golden Valley Bank | $604.7M | Risk-based | 14.65% | 14.65% | 15.90% | 9.32% |
| Partners Bank of California | $602.2M | Risk-based | 13.70% | 13.70% | 14.96% | 11.67% |
| Wisdom Heritage Bank | $601.3M | Risk-based | 20.69% | 20.69% | 21.82% | 14.22% |
| Washington State Bank | $601.1M | Risk-based | 20.40% | 20.40% | 21.65% | 12.48% |
| The Maries County Bank | $600.5M | CBLR | NA | NA | NA | 14.83% |
| Frontier State Bank | $608.6M | CBLR | NA | NA | NA | 11.54% |
| Grand Valley Bank | $599.4M | CBLR | NA | NA | NA | 11.47% |
| Peer 25th percentile | 14.65% | 14.65% | 15.90% | 11.54% | ||
| Peer median | 17.48% | 17.48% | 18.73% | 11.89% | ||
| Peer 75th percentile | 20.40% | 20.40% | 21.65% | 13.10% | ||
| This bank's percentile | 40 | 40 | 40 | 11 |
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/355559/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.