Reliabank Dakota: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.82% (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: 6.82% (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 14.06% +7.56 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 | $82.9M | 82,861 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $589.3M | 589,334 | RCOAA223 |
| Recomputed ratio | 14.06% | numerator / denominator | |
| Filed ratio | 14.06% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.56 pp | $44.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.06% +6.06 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 | $82.9M | 82,861 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $589.3M | 589,334 | RCOAA223 |
| Recomputed ratio | 14.06% | numerator / denominator | |
| Filed ratio | 14.06% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.06 pp | $35.7M | capital that could be lost first |
Total risk-based capital ratio 14.82% +4.82 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 | $87.3M | 87,338 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $589.3M | 589,334 | RCOAA223 |
| Recomputed ratio | 14.82% | numerator / denominator | |
| Filed ratio | 14.82% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.82 pp | $28.4M | capital that could be lost first |
Tier 1 leverage ratio 10.49% +5.49 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 | $82.9M | 82,861 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $789.9M | 789,867 | RCOAA224 |
| Recomputed ratio | 10.49% | numerator / denominator | |
| Filed ratio | 10.49% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.49 pp | $43.4M | 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 | 51,590 | 51,590 | 51,590 | 50,451 | 50,451 | 50,451 | RCOAP742 |
| Retained earnings | 31,634 | 30,499 | 28,315 | 27,479 | 25,604 | 24,189 | RCOAKW00 |
| Accumulated other comprehensive income | (18,731) | (21,816) | (20,354) | (22,559) | (28,854) | (26,569) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 64,493 | 60,273 | 59,551 | 55,371 | 47,201 | 48,071 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 18,368 | 21,453 | 19,991 | 22,196 | 28,491 | 26,206 | P859 - P840 |
| Common equity Tier 1 capital | 82,861 | 81,726 | 79,542 | 77,567 | 75,692 | 74,277 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 82,861 | 81,726 | 79,542 | 77,567 | 75,692 | 74,277 | RCOA8274 |
| Tier 2 capital | 4,477 | 4,552 | 4,565 | 4,976 | 4,961 | 4,965 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,477 | 4,552 | 4,565 | 4,976 | 4,961 | 4,965 | RCOA5310 |
| Total capital | 87,338 | 86,278 | 84,107 | 82,543 | 80,653 | 79,242 | RCOA3792 |
| Total risk-weighted assets | 589,334 | 582,636 | 546,897 | 559,722 | 534,239 | 538,593 | RCOAA223 |
| Average total assets for the leverage ratio | 789,867 | 785,293 | 784,515 | 768,323 | 769,484 | 793,333 | 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 | $9.0M | $1.0M | 11.54% | 0.18% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $237.0M | $57.3M | 24.16% | 9.72% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $11.3M | $2.3M | 20.00% | 0.38% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $109.8M | $64.3M | 58.59% | 10.92% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $5.6M | $8.4M | 150.00% | 1.42% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $991K | $1.5M | 150.00% | 0.25% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $413.1M | $413.1M | 100.00% | 70.10% | RC-R Part II, item 4.d, 5.d |
| All other assets | $25.2M | $25.2M | 100.00% | 4.28% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $14.9M | $14.9M | 100.00% | 2.52% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1.3M | NA | 0.23% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $588.0M | ties to item 31 ($588.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $589.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $589.3M | 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 | 14.06% | 14.06% | 14.82% | 10.49% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.03% | 14.03% | 14.81% | 10.41% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.54% | 14.54% | 15.38% | 10.14% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.86% | 13.86% | 14.75% | 10.10% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.17% | 14.17% | 15.10% | 9.84% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.79% | 13.79% | 14.71% | 9.36% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.47% | 13.47% | 14.38% | 8.95% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.85% | 12.85% | 13.74% | 8.85% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.08% | 13.08% | 13.99% | 8.77% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.74% | 12.74% | 13.64% | 8.47% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.22% | 12.22% | 13.06% | 8.37% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.70% | 11.70% | 12.51% | 7.96% | 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 |
|---|---|---|---|---|---|---|
| Reliabank Dakota (this bank) | Risk-based | 14.06% | 14.06% | 14.82% | 10.49% | |
| City State Bank | $787.9M | CBLR | NA | NA | NA | 9.37% |
| First Savings Bank of Hegewisch | $787.0M | Risk-based | 38.89% | 38.89% | 39.51% | 14.88% |
| Quontic Bank | $787.0M | CBLR | NA | NA | NA | 9.73% |
| Franklin Savings Bank | $786.9M | Risk-based | 22.03% | 22.03% | 22.85% | 18.79% |
| Citizens Trust Bank | $790.3M | Risk-based | 22.73% | 22.73% | 23.87% | 13.24% |
| Farmers State Bank | $790.3M | Risk-based | 12.15% | 12.15% | 13.40% | 8.84% |
| Sauk Valley Bank & Trust Company | $790.8M | Risk-based | 11.49% | 11.49% | 12.74% | 8.84% |
| Peach State Bank & Trust | $786.0M | Risk-based | 14.92% | 14.92% | 16.12% | 10.09% |
| First Western Bank | $792.7M | Risk-based | 11.88% | 11.88% | 12.90% | 8.90% |
| Peer 25th percentile | 12.02% | 12.02% | 13.15% | 8.90% | ||
| Peer median | 14.92% | 14.92% | 16.12% | 9.73% | ||
| Peer 75th percentile | 22.38% | 22.38% | 23.36% | 13.24% | ||
| This bank's percentile | 43 | 43 | 43 | 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/108951/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.