Red River Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 10.37% (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: 10.37% (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 17.32% +10.82 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 | $418.2M | 418,151 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.41B | 2,414,554 | RCOAA223 |
| Recomputed ratio | 17.32% | numerator / denominator | |
| Filed ratio | 17.32% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.82 pp | $261.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 17.32% +9.32 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 | $418.2M | 418,151 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.41B | 2,414,554 | RCOAA223 |
| Recomputed ratio | 17.32% | numerator / denominator | |
| Filed ratio | 17.32% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +9.32 pp | $225.0M | capital that could be lost first |
Total risk-based capital ratio 18.37% +8.37 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 | $443.6M | 443,564 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.41B | 2,414,554 | RCOAA223 |
| Recomputed ratio | 18.37% | numerator / denominator | |
| Filed ratio | 18.37% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +8.37 pp | $202.1M | capital that could be lost first |
Tier 1 leverage ratio 12.49% +7.49 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 | $418.2M | 418,151 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.35B | 3,347,411 | RCOAA224 |
| Recomputed ratio | 12.49% | numerator / denominator | |
| Filed ratio | 12.49% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.49 pp | $250.8M | 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 | 106,465 | 106,465 | 106,465 | 106,465 | 106,465 | 106,465 | RCOAP742 |
| Retained earnings | 313,232 | 303,237 | 292,969 | 282,743 | 278,533 | 275,110 | RCOAKW00 |
| Accumulated other comprehensive income | (44,688) | (45,652) | (43,341) | (46,639) | (58,026) | (56,358) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 375,009 | 364,050 | 356,093 | 342,569 | 326,972 | 325,217 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 43,142 | 44,106 | 41,795 | 45,093 | 56,480 | 54,812 | P859 - P840 |
| Common equity Tier 1 capital | 418,151 | 408,156 | 397,888 | 387,662 | 383,452 | 380,029 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 418,151 | 408,156 | 397,888 | 387,662 | 383,452 | 380,029 | RCOA8274 |
| Tier 2 capital | 25,413 | 24,693 | 24,041 | 23,443 | 22,864 | 22,477 | RCOA5311 |
| Allowance includable in Tier 2 capital | 25,413 | 24,693 | 24,041 | 23,443 | 22,864 | 22,477 | RCOA5310 |
| Total capital | 443,564 | 432,849 | 421,929 | 411,105 | 406,316 | 402,506 | RCOA3792 |
| Total risk-weighted assets | 2,414,554 | 2,388,303 | 2,389,677 | 2,308,113 | 2,261,761 | 2,249,458 | RCOAA223 |
| Average total assets for the leverage ratio | 3,347,411 | 3,402,480 | 3,331,854 | 3,255,168 | 3,215,613 | 3,230,510 | 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 | $194.9M | $6.7M | 3.45% | 0.28% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $794.9M | $134.3M | 16.89% | 5.56% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $640.1M | $344.3M | 53.80% | 14.26% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $9.1M | $13.7M | 150.00% | 0.57% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $291K | $436K | 150.00% | 0.02% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.62B | $1.60B | 99.02% | 66.31% | RC-R Part II, item 4.d, 5.d |
| All other assets | $128.1M | $124.2M | 96.91% | 5.14% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $183.6M | $183.6M | 100.00% | 7.60% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.4M | $1.4M | 100.00% | 0.06% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $4.8M | NA | 0.20% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.41B | ties to item 31 ($2.41B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.41B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.41B | 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 | 17.32% | 17.32% | 18.37% | 12.49% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 17.09% | 17.09% | 18.12% | 12.00% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 16.65% | 16.65% | 17.66% | 11.94% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 16.80% | 16.80% | 17.81% | 11.91% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 16.95% | 16.95% | 17.96% | 11.92% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 16.89% | 16.89% | 17.89% | 11.76% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 16.80% | 16.80% | 17.81% | 11.64% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 16.78% | 16.78% | 17.80% | 11.71% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 16.64% | 16.64% | 17.66% | 11.49% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 16.48% | 16.48% | 17.51% | 11.22% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 16.96% | 16.96% | 18.00% | 11.37% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 16.89% | 16.89% | 17.94% | 11.29% | 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 |
|---|---|---|---|---|---|---|
| Red River Bank (this bank) | Risk-based | 17.32% | 17.32% | 18.37% | 12.49% | |
| BankFirst Financial Services | $3.31B | CBLR | NA | NA | NA | 10.86% |
| ACNB Bank | $3.30B | Risk-based | 14.30% | 14.30% | 15.28% | 11.25% |
| Union Savings Bank | $3.30B | CBLR | NA | NA | NA | 11.48% |
| Fidelity Bank, N.A. | $3.30B | Risk-based | 10.97% | 10.97% | 12.16% | 9.99% |
| TruNorth Bank | $3.32B | Risk-based | 15.98% | 15.98% | 16.59% | 11.46% |
| Austin Bank, Texas N.A. | $3.33B | CBLR | NA | NA | NA | 15.12% |
| OakStar Bank | $3.29B | CBLR | NA | NA | NA | 9.79% |
| Lone Star National Bank | $3.28B | Risk-based | 20.01% | 20.01% | 21.09% | 12.87% |
| Libertyville Bank & Trust Company, N.A. | $3.34B | Risk-based | 10.88% | 10.88% | 11.81% | 9.19% |
| WestStar Bank | $3.28B | Risk-based | 13.13% | 13.13% | 14.07% | 12.27% |
| Peer 25th percentile | 11.51% | 11.51% | 12.64% | 10.21% | ||
| Peer median | 13.71% | 13.71% | 14.67% | 11.35% | ||
| Peer 75th percentile | 15.56% | 15.56% | 16.26% | 12.07% | ||
| This bank's percentile | 83 | 83 | 83 | 80 |
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/2743244/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.