River City Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.44% (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: 6.44% (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 13.18% +6.68 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 | $565.5M | 565,507 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.29B | 4,291,853 | RCOAA223 |
| Recomputed ratio | 13.18% | numerator / denominator | |
| Filed ratio | 13.18% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.68 pp | $286.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.18% +5.18 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 | $565.5M | 565,507 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.29B | 4,291,853 | RCOAA223 |
| Recomputed ratio | 13.18% | numerator / denominator | |
| Filed ratio | 13.18% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.18 pp | $222.2M | capital that could be lost first |
Total risk-based capital ratio 14.44% +4.44 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 | $619.8M | 619,844 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.29B | 4,291,853 | RCOAA223 |
| Recomputed ratio | 14.44% | numerator / denominator | |
| Filed ratio | 14.44% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.44 pp | $190.7M | capital that could be lost first |
Tier 1 leverage ratio 9.22% +4.22 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 | $565.5M | 565,507 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $6.13B | 6,133,542 | RCOAA224 |
| Recomputed ratio | 9.22% | numerator / denominator | |
| Filed ratio | 9.22% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.22 pp | $258.8M | 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 | 18,065 | 30,875 | 30,531 | 30,276 | 32,363 | 35,497 | RCOAP742 |
| Retained earnings | 547,442 | 528,548 | 511,330 | 491,027 | 471,925 | 457,101 | RCOAKW00 |
| Accumulated other comprehensive income | 2,374 | 4,435 | 6,630 | 6,397 | 5,730 | 5,305 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 567,881 | 563,858 | 548,491 | 527,700 | 510,018 | 497,903 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,374) | (4,435) | (6,630) | (6,397) | (5,731) | (5,305) | P859 - P840 |
| Common equity Tier 1 capital | 565,507 | 559,423 | 541,861 | 521,303 | 504,287 | 492,598 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 565,507 | 559,423 | 541,861 | 521,303 | 504,287 | 492,598 | RCOA8274 |
| Tier 2 capital | 54,337 | 53,886 | 53,764 | 52,427 | 51,299 | 50,535 | RCOA5311 |
| Allowance includable in Tier 2 capital | 54,337 | 53,886 | 53,764 | 52,427 | 51,299 | 50,535 | RCOA5310 |
| Total capital | 619,844 | 613,309 | 595,625 | 573,730 | 555,586 | 543,133 | RCOA3792 |
| Total risk-weighted assets | 4,291,853 | 4,256,900 | 4,248,502 | 4,142,972 | 4,051,002 | 3,989,133 | RCOAA223 |
| Average total assets for the leverage ratio | 6,133,542 | 5,980,498 | 5,764,749 | 5,465,237 | 5,354,132 | 5,311,336 | 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 | $353.4M | $2.7M | 0.76% | 0.06% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $989.1M | $98.8M | 9.99% | 2.27% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $1.48B | $741.8M | 50.29% | 17.07% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $3.13B | $3.13B | 99.99% | 72.08% | RC-R Part II, item 4.d, 5.d |
| All other assets | $200.8M | $105.0M | 52.29% | 2.42% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $264.1M | $258.0M | 97.69% | 5.94% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $107.5M | $4.6M | 4.32% | 0.11% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $2.8M | NA | 0.06% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $4.34B | ties to item 31 ($4.34B) |
|---|---|---|
| Risk-weighted assets before deductions | $4.35B | RCONB704 |
| Less: excess allowance for credit losses | $55.1M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $4.29B | 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 | 13.18% | 13.18% | 14.44% | 9.22% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.14% | 13.14% | 14.41% | 9.35% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.75% | 12.75% | 14.02% | 9.40% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.58% | 12.58% | 13.85% | 9.54% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.45% | 12.45% | 13.71% | 9.42% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.35% | 12.35% | 13.62% | 9.27% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.25% | 12.25% | 13.52% | 9.12% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.83% | 11.83% | 13.10% | 8.81% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.89% | 11.89% | 13.16% | 8.69% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.26% | 12.26% | 13.53% | 8.47% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.90% | 11.90% | 13.17% | 8.23% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.93% | 11.93% | 13.20% | 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 City Bank (this bank) | Risk-based | 13.18% | 13.18% | 14.44% | 9.22% | |
| Bradesco Bank | $6.10B | Risk-based | 13.93% | 13.93% | 14.95% | 10.09% |
| Banesco USA | $5.98B | CBLR | NA | NA | NA | 11.46% |
| Wilson Bank & Trust | $5.98B | Risk-based | 14.35% | 14.35% | 15.60% | 10.85% |
| SmartBank | $6.11B | Risk-based | 11.38% | 11.38% | 12.30% | 9.86% |
| Fremont Bank | $5.97B | Risk-based | 10.69% | 10.69% | 11.95% | 8.35% |
| CFG Bank | $6.12B | Risk-based | 12.50% | 12.50% | 13.71% | 11.29% |
| Bank First, N.A. | $5.94B | Risk-based | 10.93% | 10.93% | 12.08% | 9.27% |
| Shore United Bank, N.A. | $6.15B | Risk-based | 12.31% | 12.31% | 13.56% | 10.00% |
| Middlesex Savings Bank | $6.15B | Risk-based | 18.24% | 18.24% | 19.01% | 13.44% |
| First Financial Bank, N.A. | $6.17B | Risk-based | 12.62% | 12.62% | 13.63% | 10.36% |
| Peer 25th percentile | 11.38% | 11.38% | 12.30% | 9.90% | ||
| Peer median | 12.50% | 12.50% | 13.63% | 10.22% | ||
| Peer 75th percentile | 13.93% | 13.93% | 14.95% | 11.18% | ||
| This bank's percentile | 67 | 67 | 67 | 10 |
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/253468/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.