Republic Bank & Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.80% (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: 9.80% (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 16.55% +10.05 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 | $1.05B | 1,053,392 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.37B | 6,366,694 | RCOAA223 |
| Recomputed ratio | 16.55% | numerator / denominator | |
| Filed ratio | 16.55% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.05 pp | $639.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.55% +8.55 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 | $1.05B | 1,053,392 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.37B | 6,366,694 | RCOAA223 |
| Recomputed ratio | 16.55% | numerator / denominator | |
| Filed ratio | 16.55% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.55 pp | $544.1M | capital that could be lost first |
Total risk-based capital ratio 17.80% +7.80 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 | $1.13B | 1,133,096 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.37B | 6,366,694 | RCOAA223 |
| Recomputed ratio | 17.80% | numerator / denominator | |
| Filed ratio | 17.80% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.80 pp | $496.4M | capital that could be lost first |
Tier 1 leverage ratio 14.82% +9.82 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 | $1.05B | 1,053,392 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $7.11B | 7,106,716 | RCOAA224 |
| Recomputed ratio | 14.82% | numerator / denominator | |
| Filed ratio | 14.82% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +9.82 pp | $698.1M | 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 | 177,691 | 176,509 | 175,576 | 174,518 | 173,693 | 172,657 | RCOAP742 |
| Retained earnings | 917,922 | 896,880 | 866,106 | 855,252 | 837,411 | 817,632 | RCOAKW00 |
| Accumulated other comprehensive income | (8,750) | (7,036) | (4,506) | (7,221) | (9,697) | (11,811) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,086,863 | 1,066,353 | 1,037,176 | 1,022,549 | 1,001,407 | 978,478 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (33,471) | (35,286) | (37,928) | (35,319) | (32,994) | (31,029) | P859 - P840 |
| Common equity Tier 1 capital | 1,053,392 | 1,031,067 | 999,248 | 987,230 | 968,413 | 947,449 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 1,053,392 | 1,031,067 | 999,248 | 987,230 | 968,413 | 947,449 | RCOA8274 |
| Tier 2 capital | 79,704 | 78,663 | 80,427 | 77,204 | 77,173 | 75,929 | RCOA5311 |
| Allowance includable in Tier 2 capital | 79,704 | 78,663 | 80,427 | 77,204 | 77,173 | 75,929 | RCOA5310 |
| Total capital | 1,133,096 | 1,109,730 | 1,079,675 | 1,064,434 | 1,045,586 | 1,023,378 | RCOA3792 |
| Total risk-weighted assets | 6,366,694 | 6,278,335 | 6,427,759 | 6,172,147 | 6,167,973 | 6,042,688 | RCOAA223 |
| Average total assets for the leverage ratio | 7,106,716 | 7,297,195 | 7,051,338 | 6,952,656 | 7,025,766 | 7,302,614 | 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 | $354.1M | $18.3M | 5.17% | 0.29% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $898.4M | $174.7M | 19.44% | 2.74% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $68.6M | $0 | 0.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $1.83B | $1.19B | 65.41% | 18.72% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $188.3M | $282.4M | 150.00% | 4.43% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $5.9M | $8.9M | 150.00% | 0.14% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $3.45B | $3.45B | 100.00% | 54.10% | RC-R Part II, item 4.d, 5.d |
| All other assets | $353.3M | $492.3M | 139.34% | 7.72% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $718.7M | $718.7M | 100.00% | 11.27% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $10.8M | $5.4M | 50.00% | 0.09% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $32.6M | NA | 0.51% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $6.34B | ties to item 31 ($6.34B) |
|---|---|---|
| Risk-weighted assets before deductions | $6.38B | RCONB704 |
| Less: excess allowance for credit losses | $9.6M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $6.37B | 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 | 16.55% | 16.55% | 17.80% | 14.82% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 16.42% | 16.42% | 17.68% | 14.13% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 15.55% | 15.55% | 16.80% | 14.17% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 15.99% | 15.99% | 17.25% | 14.20% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 15.70% | 15.70% | 16.95% | 13.78% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 15.68% | 15.68% | 16.94% | 12.97% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.89% | 14.89% | 16.14% | 13.29% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 14.96% | 14.96% | 16.21% | 13.54% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 14.76% | 14.76% | 16.01% | 13.30% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 14.62% | 14.62% | 15.88% | 12.15% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 14.24% | 14.24% | 15.49% | 13.25% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 14.47% | 14.47% | 15.68% | 13.42% | 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 |
|---|---|---|---|---|---|---|
| Republic Bank & Trust Company (this bank) | Risk-based | 16.55% | 16.55% | 17.80% | 14.82% | |
| Johnson Bank | $7.07B | Risk-based | 15.62% | 15.62% | 16.87% | 12.33% |
| Mid Penn Bank | $7.04B | Risk-based | 12.55% | 12.55% | 13.30% | 10.43% |
| Cambridge Savings Bank | $6.98B | Risk-based | 12.63% | 12.63% | 13.71% | 10.25% |
| The Farmers National Bank of Canfield | $7.16B | Risk-based | 12.64% | 12.64% | 13.69% | 9.55% |
| Community Trust Bank, Inc. | $6.95B | CBLR | NA | NA | NA | 13.43% |
| Camden National Bank | $6.94B | Risk-based | 12.73% | 12.73% | 13.69% | 9.12% |
| Lake City Bank | $7.24B | Risk-based | 14.13% | 14.13% | 15.27% | 11.89% |
| Old Second National Bank | $6.86B | Risk-based | 13.72% | 13.72% | 14.77% | 12.05% |
| First National Bank of America | $6.82B | Risk-based | 15.28% | 15.28% | 16.54% | 8.13% |
| Hinsdale Bank & Trust Company, N.A. | $6.80B | Risk-based | 10.60% | 10.60% | 11.34% | 9.20% |
| Peer 25th percentile | 12.63% | 12.63% | 13.69% | 9.29% | ||
| Peer median | 12.73% | 12.73% | 13.71% | 10.34% | ||
| Peer 75th percentile | 14.13% | 14.13% | 15.27% | 12.01% | ||
| This bank's percentile | 100 | 100 | 100 | 100 |
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/316840/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.