RCB Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.25% (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: 9.25% (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 16.30% +9.80 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 | $425.4M | 425,367 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.61B | 2,609,895 | RCOAA223 |
| Recomputed ratio | 16.30% | numerator / denominator | |
| Filed ratio | 16.30% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.80 pp | $255.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.30% +8.30 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 | $425.4M | 425,367 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.61B | 2,609,895 | RCOAA223 |
| Recomputed ratio | 16.30% | numerator / denominator | |
| Filed ratio | 16.30% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.30 pp | $216.6M | capital that could be lost first |
Total risk-based capital ratio 17.25% +7.25 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 | $450.1M | 450,102 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.61B | 2,609,895 | RCOAA223 |
| Recomputed ratio | 17.25% | numerator / denominator | |
| Filed ratio | 17.25% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.25 pp | $189.1M | capital that could be lost first |
Tier 1 leverage ratio 10.70% +5.70 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 | $425.4M | 425,367 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.98B | 3,976,356 | RCOAA224 |
| Recomputed ratio | 10.70% | numerator / denominator | |
| Filed ratio | 10.70% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.70 pp | $226.5M | 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 | 227,948 | 227,948 | 227,948 | 227,948 | 227,948 | 227,948 | RCOAP742 |
| Retained earnings | 276,003 | 264,135 | 253,364 | 243,109 | 255,768 | 246,532 | RCOAKW00 |
| Accumulated other comprehensive income | (30,548) | (22,785) | (17,494) | (21,268) | (45,313) | (44,058) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 473,403 | 469,298 | 463,818 | 449,789 | 438,403 | 430,422 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (48,036) | (56,138) | (61,769) | (58,334) | (34,628) | (36,223) | P859 - P840 |
| Common equity Tier 1 capital | 425,367 | 413,160 | 402,049 | 391,455 | 403,775 | 394,199 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 425,367 | 413,160 | 402,049 | 391,455 | 403,775 | 394,199 | RCOA8274 |
| Tier 2 capital | 24,735 | 25,527 | 25,949 | 26,332 | 26,187 | 26,628 | RCOA5311 |
| Allowance includable in Tier 2 capital | 24,735 | 25,527 | 25,949 | 26,332 | 26,187 | 26,628 | RCOA5310 |
| Total capital | 450,102 | 438,687 | 427,998 | 417,787 | 429,962 | 420,827 | RCOA3792 |
| Total risk-weighted assets | 2,609,895 | 2,527,493 | 2,559,476 | 2,585,278 | 2,622,120 | 2,585,003 | RCOAA223 |
| Average total assets for the leverage ratio | 3,976,356 | 3,953,818 | 3,850,554 | 3,887,503 | 3,878,441 | 3,823,551 | 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 | $172.2M | $5.6M | 3.28% | 0.22% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.29B | $233.6M | 18.10% | 8.95% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $55.7M | $493K | 0.89% | 0.02% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $483.1M | $262.3M | 54.30% | 10.05% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $87.9M | $131.8M | 150.00% | 5.05% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $21.5M | $30.0M | 139.22% | 1.15% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.69B | $1.69B | 99.47% | 64.56% | RC-R Part II, item 4.d, 5.d |
| All other assets | $159.2M | $148.4M | 93.18% | 5.68% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $125K | $1.6M | 1250.00% | 0.06% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $102.9M | $109.6M | 106.54% | 4.20% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1.5M | NA | 0.06% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.61B | ties to item 31 ($2.61B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.61B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.61B | 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 | 16.30% | 16.30% | 17.25% | 10.70% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 16.35% | 16.35% | 17.36% | 10.45% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 15.71% | 15.71% | 16.72% | 10.44% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 15.14% | 15.14% | 16.16% | 10.07% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 15.40% | 15.40% | 16.40% | 10.41% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 15.25% | 15.25% | 16.28% | 10.31% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 15.04% | 15.04% | 16.09% | 9.87% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 14.73% | 14.73% | 15.79% | 9.65% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 14.32% | 14.32% | 15.35% | 9.43% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 14.28% | 14.28% | 15.32% | 9.25% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.97% | 13.97% | 15.00% | 9.22% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.75% | 13.75% | 14.79% | 8.97% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| RCB Bank (this bank) | Risk-based | 16.30% | 16.30% | 17.25% | 10.70% | |
| Vallant Bank | $3.99B | Risk-based | 12.05% | 12.05% | 13.28% | 9.85% |
| Commercial Bank of California | $3.98B | Risk-based | 11.78% | 11.78% | 12.85% | 9.27% |
| Central Bank & Trust Company | $4.01B | Risk-based | 15.12% | 15.12% | 16.08% | 12.42% |
| River Bank & Trust | $4.02B | Risk-based | 12.57% | 12.57% | 13.82% | 9.23% |
| Union Savings Bank | $4.02B | CBLR | NA | NA | NA | 10.51% |
| California Bank of Commerce, N.A. | $4.02B | Risk-based | 13.93% | 13.93% | 14.94% | 12.80% |
| West Bank | $4.03B | Risk-based | 13.03% | 13.03% | 13.97% | 10.79% |
| Spencer Savings Bank, Savings and Loan Association | $4.04B | Risk-based | 16.80% | 16.80% | 17.86% | 11.23% |
| Gate City Bank | $4.04B | CBLR | NA | NA | NA | 9.85% |
| Peer 25th percentile | 12.31% | 12.31% | 13.55% | 9.85% | ||
| Peer median | 13.03% | 13.03% | 13.97% | 10.51% | ||
| Peer 75th percentile | 14.52% | 14.52% | 15.51% | 11.23% | ||
| This bank's percentile | 86 | 86 | 86 | 56 |
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/945053/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.