The Richwood Banking Company, Inc.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.76% (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: 6.76% (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 13.77% +7.27 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 | $138.8M | 138,822 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.01B | 1,008,036 | RCOAA223 |
| Recomputed ratio | 13.77% | numerator / denominator | |
| Filed ratio | 13.77% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.27 pp | $73.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.77% +5.77 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 | $138.8M | 138,822 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.01B | 1,008,036 | RCOAA223 |
| Recomputed ratio | 13.77% | numerator / denominator | |
| Filed ratio | 13.77% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.77 pp | $58.2M | capital that could be lost first |
Total risk-based capital ratio 14.76% +4.76 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 | $148.8M | 148,786 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.01B | 1,008,036 | RCOAA223 |
| Recomputed ratio | 14.76% | numerator / denominator | |
| Filed ratio | 14.76% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.76 pp | $48.0M | capital that could be lost first |
Tier 1 leverage ratio 10.76% +5.76 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 | $138.8M | 138,822 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.29B | 1,289,714 | RCOAA224 |
| Recomputed ratio | 10.76% | numerator / denominator | |
| Filed ratio | 10.76% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.76 pp | $74.3M | 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 | 2,265 | 2,186 | 2,106 | 2,135 | 2,066 | 1,996 | RCOAP742 |
| Retained earnings | 146,681 | 142,241 | 139,234 | 136,695 | 132,112 | 128,752 | RCOAKW00 |
| Accumulated other comprehensive income | (20,687) | (24,846) | (22,153) | (25,067) | (36,977) | (37,767) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 128,259 | 119,581 | 119,187 | 113,763 | 97,201 | 92,981 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 10,563 | 14,673 | 11,930 | 14,794 | 26,655 | 27,395 | P859 - P840 |
| Common equity Tier 1 capital | 138,822 | 134,254 | 131,117 | 128,557 | 123,856 | 120,376 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 138,822 | 134,254 | 131,117 | 128,557 | 123,856 | 120,376 | RCOA8274 |
| Tier 2 capital | 9,964 | 9,571 | 8,772 | 8,271 | 8,085 | 7,801 | RCOA5311 |
| Allowance includable in Tier 2 capital | 9,964 | 9,571 | 8,772 | 8,271 | 8,085 | 7,801 | RCOA5310 |
| Total capital | 148,786 | 143,825 | 139,889 | 136,828 | 131,941 | 128,177 | RCOA3792 |
| Total risk-weighted assets | 1,008,036 | 1,036,431 | 960,069 | 965,294 | 928,638 | 905,905 | RCOAA223 |
| Average total assets for the leverage ratio | 1,289,714 | 1,283,821 | 1,262,145 | 1,266,101 | 1,241,113 | 1,262,438 | 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 | $30.5M | $3.3M | 10.88% | 0.33% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $312.4M | $70.1M | 22.45% | 6.96% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $5.0M | $1.0M | 20.00% | 0.10% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $209.3M | $122.1M | 58.34% | 12.11% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $10.3M | $15.5M | 150.00% | 1.54% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $668.6M | $668.4M | 99.97% | 66.31% | RC-R Part II, item 4.d, 5.d |
| All other assets | $83.5M | $80.2M | 96.05% | 7.95% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $39.3M | $39.3M | 100.00% | 3.90% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.3M | $1.3M | 100.00% | 0.13% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $6.8M | NA | 0.68% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.00B | does not tie to item 31 ($1.01B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.01B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.01B | 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 | 13.77% | 13.77% | 14.76% | 10.76% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.95% | 12.95% | 13.88% | 10.46% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.66% | 13.66% | 14.57% | 10.39% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.32% | 13.32% | 14.17% | 10.15% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.34% | 13.34% | 14.21% | 9.98% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.29% | 13.29% | 14.15% | 9.54% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.18% | 13.18% | 13.98% | 9.64% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.09% | 13.09% | 13.91% | 9.09% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.74% | 12.74% | 13.58% | 9.02% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.32% | 12.32% | 13.17% | 8.54% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.09% | 12.09% | 12.87% | 9.10% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.88% | 11.88% | 12.64% | 8.87% | 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 |
|---|---|---|---|---|---|---|
| The Richwood Banking Company, Inc. (this bank) | Risk-based | 13.77% | 13.77% | 14.76% | 10.76% | |
| The Commercial and Savings Bank of Millersburg, Ohio | $1.30B | Risk-based | 15.30% | 15.30% | 16.55% | 10.25% |
| Pinnacle Bank - Wyoming | $1.30B | Risk-based | 14.39% | 14.39% | 15.64% | 10.69% |
| Jonesboro State Bank | $1.30B | Risk-based | 18.70% | 18.70% | 18.99% | 7.67% |
| Plains Commerce Bank | $1.30B | CBLR | NA | NA | NA | 10.03% |
| Adams Bank & Trust | $1.29B | CBLR | NA | NA | NA | 14.11% |
| First Harrison Bank | $1.29B | CBLR | NA | NA | NA | 11.33% |
| Savings Bank of Mendocino County | $1.28B | CBLR | NA | NA | NA | 17.93% |
| Forward Bank | $1.28B | Risk-based | 10.94% | 11.85% | 12.83% | 9.18% |
| Synergy Bank | $1.28B | CBLR | NA | NA | NA | 11.26% |
| Peer 25th percentile | 13.52% | 13.75% | 14.93% | 10.03% | ||
| Peer median | 14.84% | 14.84% | 16.10% | 10.69% | ||
| Peer 75th percentile | 16.15% | 16.15% | 17.16% | 11.33% | ||
| This bank's percentile | 25 | 25 | 25 | 56 |
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/150727/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.