River Bank & Trust: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.82% (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: 5.82% (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 12.57% +6.07 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 | $364.5M | 364,467 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.90B | 2,900,444 | RCOAA223 |
| Recomputed ratio | 12.57% | numerator / denominator | |
| Filed ratio | 12.57% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.07 pp | $175.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.57% +4.57 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 | $364.5M | 364,467 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.90B | 2,900,444 | RCOAA223 |
| Recomputed ratio | 12.57% | numerator / denominator | |
| Filed ratio | 12.57% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.57 pp | $132.4M | capital that could be lost first |
Total risk-based capital ratio 13.82% +3.82 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 | $400.8M | 400,766 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.90B | 2,900,444 | RCOAA223 |
| Recomputed ratio | 13.82% | numerator / denominator | |
| Filed ratio | 13.82% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.82 pp | $110.7M | capital that could be lost first |
Tier 1 leverage ratio 9.23% +4.23 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 | $364.5M | 364,467 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.95B | 3,947,561 | RCOAA224 |
| Recomputed ratio | 9.23% | numerator / denominator | |
| Filed ratio | 9.23% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.23 pp | $167.1M | 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 | 174,818 | 174,522 | 174,226 | 173,950 | 173,688 | 173,400 | RCOAP742 |
| Retained earnings | 217,746 | 203,986 | 198,043 | 186,755 | 176,470 | 163,965 | RCOAKW00 |
| Accumulated other comprehensive income | (37,430) | (36,101) | (33,209) | (38,717) | (52,030) | (50,406) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 355,134 | 342,407 | 339,060 | 321,988 | 298,128 | 286,959 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 9,333 | 7,948 | 4,994 | 10,435 | 23,676 | 21,974 | P859 - P840 |
| Common equity Tier 1 capital | 364,467 | 350,355 | 344,054 | 332,423 | 321,804 | 308,933 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 364,467 | 350,355 | 344,054 | 332,423 | 321,804 | 308,933 | RCOA8274 |
| Tier 2 capital | 36,299 | 34,998 | 34,207 | 33,718 | 32,689 | 32,313 | RCOA5311 |
| Allowance includable in Tier 2 capital | 36,299 | 34,998 | 34,207 | 33,718 | 32,689 | 32,313 | RCOA5310 |
| Total capital | 400,766 | 385,353 | 378,261 | 366,141 | 354,493 | 341,246 | RCOA3792 |
| Total risk-weighted assets | 2,900,444 | 2,796,977 | 2,734,729 | 2,696,077 | 2,614,246 | 2,583,557 | RCOAA223 |
| Average total assets for the leverage ratio | 3,947,561 | 3,834,561 | 3,837,205 | 3,775,791 | 3,658,372 | 3,579,656 | 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 | $116.3M | $18.2M | 15.65% | 0.63% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $846.4M | $189.1M | 22.34% | 6.51% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $44.0M | $8.8M | 20.00% | 0.30% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $1.15B | $631.7M | 54.83% | 21.75% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $146.9M | $220.3M | 150.00% | 7.59% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $4.7M | $7.0M | 150.00% | 0.24% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.56B | $1.54B | 98.83% | 53.01% | RC-R Part II, item 4.d, 5.d |
| All other assets | $207.1M | $204.5M | 98.72% | 7.04% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $82.5M | $82.5M | 100.00% | 2.84% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $2.5M | NA | 0.08% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.90B | ties to item 31 ($2.90B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.90B | RCONB704 |
| Less: excess allowance for credit losses | $3.5M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.90B | 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 | 12.57% | 12.57% | 13.82% | 9.23% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.53% | 12.53% | 13.78% | 9.14% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.58% | 12.58% | 13.83% | 8.97% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.33% | 12.33% | 13.58% | 8.80% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.31% | 12.31% | 13.56% | 8.80% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.96% | 11.96% | 13.21% | 8.63% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.90% | 11.90% | 13.15% | 8.56% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.91% | 11.91% | 13.16% | 8.54% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.77% | 11.77% | 13.02% | 8.52% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.51% | 11.51% | 12.75% | 8.53% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.57% | 11.57% | 12.79% | 8.65% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.66% | 11.66% | 12.88% | 8.60% | 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 |
|---|---|---|---|---|---|---|
| River Bank & Trust (this bank) | Risk-based | 12.57% | 12.57% | 13.82% | 9.23% | |
| Union Savings Bank | $4.02B | CBLR | NA | NA | NA | 10.51% |
| California Bank of Commerce, N.A. | $4.02B | Risk-based | 13.93% | 13.93% | 14.94% | 12.80% |
| Central Bank & Trust Company | $4.01B | Risk-based | 15.12% | 15.12% | 16.08% | 12.42% |
| West Bank | $4.03B | Risk-based | 13.03% | 13.03% | 13.97% | 10.79% |
| Spencer Savings Bank, Savings and Loan Association | $4.04B | Risk-based | 16.80% | 16.80% | 17.86% | 11.23% |
| Gate City Bank | $4.04B | CBLR | NA | NA | NA | 9.85% |
| Vallant Bank | $3.99B | Risk-based | 12.05% | 12.05% | 13.28% | 9.85% |
| RCB Bank | $3.98B | Risk-based | 16.30% | 16.30% | 17.25% | 10.70% |
| Commercial Bank of California | $3.98B | Risk-based | 11.78% | 11.78% | 12.85% | 9.27% |
| Peer 25th percentile | 12.54% | 12.54% | 13.62% | 9.85% | ||
| Peer median | 13.93% | 13.93% | 14.94% | 10.70% | ||
| Peer 75th percentile | 15.71% | 15.71% | 16.66% | 11.23% | ||
| This bank's percentile | 29 | 29 | 29 | 0 |
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/3437157/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.