Reliance Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.27% (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: 8.27% (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 15.35% +8.85 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 | $81.5M | 81,478 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $530.7M | 530,715 | RCOAA223 |
| Recomputed ratio | 15.35% | numerator / denominator | |
| Filed ratio | 15.35% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.85 pp | $47.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.35% +7.35 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 | $81.5M | 81,478 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $530.7M | 530,715 | RCOAA223 |
| Recomputed ratio | 15.35% | numerator / denominator | |
| Filed ratio | 15.35% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.35 pp | $39.0M | capital that could be lost first |
Total risk-based capital ratio 16.27% +6.27 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 | $86.4M | 86,360 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $530.7M | 530,715 | RCOAA223 |
| Recomputed ratio | 16.27% | numerator / denominator | |
| Filed ratio | 16.27% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.27 pp | $33.3M | capital that could be lost first |
Tier 1 leverage ratio 12.24% +7.24 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 | $81.5M | 81,478 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $665.6M | 665,596 | RCOAA224 |
| Recomputed ratio | 12.24% | numerator / denominator | |
| Filed ratio | 12.24% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.24 pp | $48.2M | 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 | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 84,727 | 83,555 | 83,741 | 82,075 | 81,665 | 81,296 | RCOAKW00 |
| Accumulated other comprehensive income | (5,863) | (5,802) | (5,772) | (6,439) | (7,280) | (8,155) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 78,864 | 77,753 | 77,969 | 75,636 | 74,385 | 73,141 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,614 | 2,553 | 2,523 | 3,055 | 3,896 | 4,771 | P859 - P840 |
| Common equity Tier 1 capital | 81,478 | 80,306 | 80,492 | 78,691 | 78,281 | 77,912 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 81,478 | 80,306 | 80,492 | 78,691 | 78,281 | 77,912 | RCOA8274 |
| Tier 2 capital | 4,882 | 4,830 | 4,734 | 5,052 | 4,618 | 5,321 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,882 | 4,830 | 4,734 | 5,052 | 4,618 | 5,321 | RCOA5310 |
| Total capital | 86,360 | 85,136 | 85,226 | 83,743 | 82,899 | 83,233 | RCOA3792 |
| Total risk-weighted assets | 530,715 | 569,063 | 510,396 | 511,671 | 503,963 | 508,752 | RCOAA223 |
| Average total assets for the leverage ratio | 665,596 | 670,894 | 672,487 | 653,996 | 660,073 | 671,269 | 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 | $12.7M | $825K | 6.49% | 0.16% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $110.9M | $27.4M | 24.67% | 5.16% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $28.1M | $27.2M | 96.77% | 5.12% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $255.6M | $161.0M | 62.99% | 30.33% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $2.2M | $3.3M | 150.00% | 0.62% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $21K | $21K | 100.00% | 0.00% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $245.1M | $244.5M | 99.76% | 46.07% | RC-R Part II, item 4.d, 5.d |
| All other assets | $31.2M | $29.1M | 93.35% | 5.49% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $36.5M | $36.3M | 99.57% | 6.85% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.1M | $1.1M | 100.00% | 0.22% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $600 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $530.7M | ties to item 31 ($530.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $530.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $530.7M | 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 | 15.35% | 15.35% | 16.27% | 12.24% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.11% | 14.11% | 14.96% | 11.97% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.77% | 15.77% | 16.70% | 11.97% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 15.38% | 15.38% | 16.37% | 12.03% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 15.53% | 15.53% | 16.45% | 11.86% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.31% | 15.31% | 16.36% | 11.61% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.48% | 15.48% | 16.74% | 11.34% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.68% | 15.68% | 16.85% | 11.76% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 15.66% | 15.66% | 16.87% | 11.67% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.63% | 15.63% | 16.88% | 11.42% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.94% | 15.94% | 17.08% | 11.37% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 16.09% | 16.09% | 17.19% | 11.55% | 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 |
|---|---|---|---|---|---|---|
| Reliance Savings Bank (this bank) | Risk-based | 15.35% | 15.35% | 16.27% | 12.24% | |
| Community Bank & Trust, Waco, Texas | $649.1M | Risk-based | 25.98% | 25.98% | 27.23% | 15.45% |
| Outdoor Bank | $648.8M | CBLR | NA | NA | NA | 9.24% |
| Modern Bank, N.A. | $648.5M | Risk-based | 12.96% | 12.96% | 14.21% | 9.56% |
| Clear Lake Bank and Trust Company | $649.3M | Risk-based | 11.28% | 11.28% | 12.53% | 8.53% |
| Citizens State Bank - La Crosse | $648.5M | CBLR | NA | NA | NA | 13.36% |
| The Bank of Tescott | $648.3M | CBLR | NA | NA | NA | 10.62% |
| First Eagle Bank | $649.6M | CBLR | NA | NA | NA | 21.29% |
| Phoenixville Federal Bank and Trust | $648.0M | CBLR | NA | NA | NA | 12.62% |
| Dominion Bank | $647.4M | Risk-based | 13.08% | 13.08% | 14.03% | 11.17% |
| Northeast Georgia Bank | $650.6M | CBLR | NA | NA | NA | 13.41% |
| Peer 25th percentile | 12.54% | 12.54% | 13.66% | 9.83% | ||
| Peer median | 13.02% | 13.02% | 14.12% | 11.89% | ||
| Peer 75th percentile | 16.30% | 16.30% | 17.47% | 13.40% | ||
| This bank's percentile | 75 | 75 | 75 | 50 |
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/743679/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.