Regent Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.07% (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: 3.07% (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 9.93% +3.43 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 | $211.4M | 211,410 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.13B | 2,129,939 | RCOAA223 |
| Recomputed ratio | 9.93% | numerator / denominator | |
| Filed ratio | 9.93% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.43 pp | $73.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 9.93% +1.93 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 | $211.4M | 211,410 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.13B | 2,129,939 | RCOAA223 |
| Recomputed ratio | 9.93% | numerator / denominator | |
| Filed ratio | 9.93% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +1.93 pp | $41.0M | capital that could be lost first |
Total risk-based capital ratio 11.07% +1.07 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 | $235.8M | 235,796 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.13B | 2,129,939 | RCOAA223 |
| Recomputed ratio | 11.07% | numerator / denominator | |
| Filed ratio | 11.07% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.07 pp | $22.8M | capital that could be lost first |
Tier 1 leverage ratio 9.85% +4.85 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 | $211.4M | 211,410 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.15B | 2,145,366 | RCOAA224 |
| Recomputed ratio | 9.85% | numerator / denominator | |
| Filed ratio | 9.85% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.85 pp | $104.1M | 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 | 109,080 | 108,957 | 103,585 | 88,357 | 88,249 | 88,141 | RCOAP742 |
| Retained earnings | 106,576 | 100,239 | 97,132 | 90,858 | 85,933 | 80,318 | RCOAKW00 |
| Accumulated other comprehensive income | (4,771) | (4,594) | (4,240) | (4,913) | (6,221) | (5,983) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 210,885 | 204,602 | 196,477 | 174,302 | 167,961 | 162,476 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 525 | 348 | (6) | 667 | 1,975 | 1,737 | P859 - P840 |
| Common equity Tier 1 capital | 211,410 | 204,950 | 196,471 | 174,969 | 169,936 | 164,213 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 211,410 | 204,950 | 196,471 | 174,969 | 169,936 | 164,213 | RCOA8274 |
| Tier 2 capital | 24,386 | 23,038 | 20,927 | 20,435 | 18,929 | 20,280 | RCOA5311 |
| Allowance includable in Tier 2 capital | 24,386 | 23,038 | 20,927 | 20,435 | 18,929 | 20,280 | RCOA5310 |
| Total capital | 235,796 | 227,988 | 217,398 | 195,404 | 188,865 | 184,493 | RCOA3792 |
| Total risk-weighted assets | 2,129,939 | 1,948,409 | 1,891,871 | 1,832,632 | 1,724,451 | 1,622,183 | RCOAA223 |
| Average total assets for the leverage ratio | 2,145,366 | 2,053,593 | 1,926,298 | 1,858,721 | 1,776,079 | 1,718,350 | 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 | $84.3M | $824K | 0.98% | 0.04% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $118.6M | $38.2M | 32.19% | 1.79% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $265K | $53K | 20.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $274.0M | $152.3M | 55.59% | 7.15% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $2.7M | $4.1M | 150.00% | 0.19% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $45.0M | $44.8M | 99.63% | 2.11% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.55B | $1.55B | 100.04% | 72.73% | RC-R Part II, item 4.d, 5.d |
| All other assets | $110.3M | $105.8M | 95.93% | 4.97% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $168.4M | $165.6M | 98.31% | 7.77% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $787K | $0 | 0.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $69.0M | NA | 3.24% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.06B | ties to item 31 ($2.06B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.13B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.13B | 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 | 9.93% | 9.93% | 11.07% | 9.85% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.52% | 10.52% | 11.70% | 9.98% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.38% | 10.38% | 11.49% | 10.20% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 9.55% | 9.55% | 10.66% | 9.41% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 9.85% | 9.85% | 10.95% | 9.57% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 10.12% | 10.12% | 11.37% | 9.56% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 10.43% | 10.43% | 11.67% | 9.43% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.30% | 10.30% | 11.50% | 9.45% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.13% | 10.13% | 11.27% | 9.30% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.01% | 10.01% | 11.16% | 9.11% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.29% | 10.29% | 11.33% | 10.17% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.07% | 10.07% | 11.14% | 9.97% | 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 |
|---|---|---|---|---|---|---|
| Regent Bank (this bank) | Risk-based | 9.93% | 9.93% | 11.07% | 9.85% | |
| Five Points Bank | $2.24B | Risk-based | 13.48% | 13.48% | 14.68% | 10.30% |
| MainStreet Bank | $2.24B | Risk-based | 14.14% | 14.14% | 15.14% | 12.78% |
| Country Bank for Savings | $2.24B | CBLR | NA | NA | NA | 14.84% |
| Shinhan Bank America | $2.23B | Risk-based | 17.53% | 17.53% | 18.46% | 12.47% |
| American Bank & Trust | $2.25B | Risk-based | 15.24% | 15.24% | 16.33% | 11.28% |
| Falcon International Bank | $2.25B | Risk-based | 19.86% | 19.86% | 20.95% | 13.44% |
| National Bank of Commerce | $2.23B | Risk-based | 11.10% | 11.10% | 12.03% | 9.33% |
| The Bank of Princeton | $2.25B | Risk-based | 13.60% | 13.60% | 14.67% | 11.69% |
| Bank of Tennessee | $2.25B | Risk-based | 11.31% | 11.31% | 12.29% | 9.63% |
| Peer 25th percentile | 12.94% | 12.94% | 14.07% | 10.30% | ||
| Peer median | 13.87% | 13.87% | 14.91% | 11.69% | ||
| Peer 75th percentile | 15.81% | 15.81% | 16.86% | 12.78% | ||
| This bank's percentile | 0 | 0 | 0 | 22 |
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/309655/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.