Rhinebeck Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.41% (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: 7.41% (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 14.61% +8.11 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 | $145.2M | 145,220 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $993.7M | 993,712 | RCOAA223 |
| Recomputed ratio | 14.61% | numerator / denominator | |
| Filed ratio | 14.61% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.11 pp | $80.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.61% +6.61 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 | $145.2M | 145,220 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $993.7M | 993,712 | RCOAA223 |
| Recomputed ratio | 14.61% | numerator / denominator | |
| Filed ratio | 14.61% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.61 pp | $65.7M | capital that could be lost first |
Total risk-based capital ratio 15.41% +5.41 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 | $153.1M | 153,135 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $993.7M | 993,712 | RCOAA223 |
| Recomputed ratio | 15.41% | numerator / denominator | |
| Filed ratio | 15.41% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.41 pp | $53.8M | capital that could be lost first |
Tier 1 leverage ratio 10.93% +5.93 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 | $145.2M | 145,220 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.33B | 1,328,851 | RCOAA224 |
| Recomputed ratio | 10.93% | numerator / denominator | |
| Filed ratio | 10.93% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.93 pp | $78.8M | 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 | 55,012 | 54,558 | 54,219 | 54,294 | 53,915 | 53,536 | RCOAP742 |
| Retained earnings | 92,534 | 89,839 | 87,562 | 85,670 | 82,959 | 80,180 | RCOAKW00 |
| Accumulated other comprehensive income | (8,663) | (8,330) | (7,930) | (9,490) | (10,897) | (11,145) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 138,883 | 136,067 | 133,851 | 130,474 | 125,977 | 122,571 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,337 | 5,902 | 5,315 | 6,646 | 7,720 | 7,327 | P859 - P840 |
| Common equity Tier 1 capital | 145,220 | 141,969 | 139,166 | 137,120 | 133,697 | 129,898 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 145,220 | 141,969 | 139,166 | 137,120 | 133,697 | 129,898 | RCOA8274 |
| Tier 2 capital | 7,915 | 8,029 | 8,505 | 8,374 | 8,433 | 8,625 | RCOA5311 |
| Allowance includable in Tier 2 capital | 7,915 | 8,029 | 8,505 | 8,374 | 8,433 | 8,625 | RCOA5310 |
| Total capital | 153,135 | 149,998 | 147,671 | 145,494 | 142,130 | 138,523 | RCOA3792 |
| Total risk-weighted assets | 993,712 | 1,003,235 | 1,025,487 | 1,048,599 | 1,029,759 | 1,073,252 | RCOAA223 |
| Average total assets for the leverage ratio | 1,328,851 | 1,297,666 | 1,310,584 | 1,311,159 | 1,256,660 | 1,277,368 | 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 | $304.6M | $4.2M | 1.37% | 0.42% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $180.0M | $41.5M | 23.03% | 4.17% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $185.1M | $93.4M | 50.46% | 9.40% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.8M | $2.7M | 150.00% | 0.27% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $739.3M | $736.6M | 99.63% | 74.12% | RC-R Part II, item 4.d, 5.d |
| All other assets | $71.7M | $72.0M | 100.37% | 7.24% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $41.1M | $38.5M | 93.79% | 3.88% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $11.9M | $4.9M | 41.34% | 0.50% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $100 | 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 | $993.7M | ties to item 31 ($993.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $993.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $993.7M | 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 | 14.61% | 14.61% | 15.41% | 10.93% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 14.15% | 14.15% | 14.95% | 10.94% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.57% | 13.57% | 14.40% | 10.62% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.08% | 13.08% | 13.88% | 10.46% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.98% | 12.98% | 13.80% | 10.64% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.10% | 12.10% | 12.91% | 10.17% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.81% | 11.81% | 12.63% | 10.07% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.04% | 12.04% | 12.81% | 10.04% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.59% | 12.59% | 13.29% | 10.60% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.26% | 12.26% | 12.99% | 10.28% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.96% | 11.96% | 12.70% | 10.10% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.71% | 11.71% | 12.47% | 9.93% | 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 |
|---|---|---|---|---|---|---|
| Rhinebeck Bank (this bank) | Risk-based | 14.61% | 14.61% | 15.41% | 10.93% | |
| Bankers' Bank | $1.47B | Risk-based | 15.86% | 15.86% | 17.02% | 14.70% |
| Saco & Biddeford Savings Institution | $1.47B | CBLR | NA | NA | NA | 10.02% |
| Riverview Bank | $1.47B | Risk-based | 14.39% | 14.39% | 15.64% | 10.96% |
| The Dart Bank | $1.47B | Risk-based | 11.15% | 11.15% | 12.40% | 8.65% |
| West Gate Bank | $1.47B | CBLR | NA | NA | NA | 10.38% |
| North American Banking Company | $1.47B | Risk-based | 14.63% | 14.63% | 15.67% | 8.91% |
| Central National Bank | $1.47B | Risk-based | 12.55% | 12.55% | 13.80% | 9.94% |
| Sovereign Bank | $1.47B | CBLR | NA | NA | NA | 10.29% |
| Central Bank Illinois | $1.46B | CBLR | NA | NA | NA | 10.39% |
| North State Bank | $1.46B | Risk-based | 11.34% | 11.34% | 12.07% | 8.50% |
| Peer 25th percentile | 11.64% | 11.64% | 12.75% | 9.17% | ||
| Peer median | 13.47% | 13.47% | 14.72% | 10.15% | ||
| Peer 75th percentile | 14.57% | 14.57% | 15.66% | 10.39% | ||
| This bank's percentile | 67 | 67 | 50 | 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/195111/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.