River City Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.60% (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: 6.60% (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 13.35% +6.85 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 | $42.3M | 42,284 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $316.7M | 316,719 | RCOAA223 |
| Recomputed ratio | 13.35% | numerator / denominator | |
| Filed ratio | 13.35% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.85 pp | $21.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.35% +5.35 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 | $42.3M | 42,284 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $316.7M | 316,719 | RCOAA223 |
| Recomputed ratio | 13.35% | numerator / denominator | |
| Filed ratio | 13.35% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.35 pp | $16.9M | capital that could be lost first |
Total risk-based capital ratio 14.60% +4.60 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 | $46.3M | 46,251 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $316.7M | 316,719 | RCOAA223 |
| Recomputed ratio | 14.60% | numerator / denominator | |
| Filed ratio | 14.60% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.60 pp | $14.6M | capital that could be lost first |
Tier 1 leverage ratio 10.15% +5.15 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 | $42.3M | 42,284 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $416.6M | 416,616 | RCOAA224 |
| Recomputed ratio | 10.15% | numerator / denominator | |
| Filed ratio | 10.15% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.15 pp | $21.5M | 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 | 23,033 | 23,019 | 22,927 | 22,826 | 22,811 | 22,787 | RCOAP742 |
| Retained earnings | 19,251 | 17,424 | 15,715 | 14,514 | 12,808 | 11,202 | RCOAKW00 |
| Accumulated other comprehensive income | (2,750) | (2,620) | (2,561) | (2,749) | (3,246) | (3,342) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 39,534 | 37,823 | 36,081 | 34,591 | 32,373 | 30,647 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,750 | 2,620 | 2,561 | 2,749 | 3,246 | 3,342 | P859 - P840 |
| Common equity Tier 1 capital | 42,284 | 40,443 | 38,642 | 37,340 | 35,619 | 33,989 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 42,284 | 40,443 | 38,642 | 37,340 | 35,619 | 33,989 | RCOA8274 |
| Tier 2 capital | 3,967 | 3,921 | 3,741 | 3,689 | 3,559 | 3,465 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,967 | 3,921 | 3,741 | 3,689 | 3,559 | 3,465 | RCOA5310 |
| Total capital | 46,251 | 44,364 | 42,383 | 41,029 | 39,178 | 37,454 | RCOA3792 |
| Total risk-weighted assets | 316,719 | 313,217 | 298,674 | 294,519 | 284,057 | 276,638 | RCOAA223 |
| Average total assets for the leverage ratio | 416,616 | 403,840 | 401,217 | 388,905 | 364,345 | 359,970 | 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 | $39.7M | $1.9M | 4.82% | 0.60% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $41.7M | $7.0M | 16.81% | 2.21% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $123.7M | $73.3M | 59.25% | 23.10% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $208.8M | $206.1M | 98.70% | 64.94% | RC-R Part II, item 4.d, 5.d |
| All other assets | $17.5M | $17.4M | 99.74% | 5.49% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $13.6M | $11.6M | 85.22% | 3.65% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $200 | 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 | $317.4M | ties to item 31 ($317.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $317.4M | RCONB704 |
| Less: excess allowance for credit losses | $640K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $316.7M | 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 | 13.35% | 13.35% | 14.60% | 10.15% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.91% | 12.91% | 14.16% | 10.01% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.94% | 12.94% | 14.19% | 9.63% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.68% | 12.68% | 13.93% | 9.60% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.54% | 12.54% | 13.79% | 9.78% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.29% | 12.29% | 13.54% | 9.44% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.57% | 12.57% | 13.82% | 9.23% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.23% | 12.23% | 13.48% | 9.14% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.68% | 12.68% | 13.94% | 9.39% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.39% | 13.39% | 14.64% | 10.21% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.70% | 13.70% | 14.95% | 10.27% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.36% | 14.36% | 15.61% | 10.29% | 14.65% | 14.67% | 15.79% | 10.60% |
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 | 13.35% | 13.35% | 14.60% | 10.15% | |
| Astra Bank | $423.3M | Risk-based | 13.11% | 13.11% | 13.92% | 9.27% |
| Heritage Bank of the Ozarks | $424.0M | CBLR | NA | NA | NA | 9.64% |
| Community Commerce Bank | $422.7M | Risk-based | 18.10% | 18.10% | 19.13% | 15.25% |
| First State Bank | $424.2M | CBLR | NA | NA | NA | 9.83% |
| Farmers Trust & Savings Bank | $422.7M | CBLR | NA | NA | NA | 9.91% |
| Sugar River Bank | $424.3M | CBLR | NA | NA | NA | 14.13% |
| MY Kind of Bank, N.A. | $422.6M | Risk-based | 11.89% | 11.89% | 13.04% | 9.03% |
| Centinel Bank of Taos | $424.8M | Risk-based | 22.69% | 22.69% | 23.67% | 9.22% |
| Great Oaks Bank | $422.0M | Risk-based | 13.78% | 13.78% | 15.03% | 10.25% |
| Cattle Bank & Trust | $421.9M | CBLR | NA | NA | NA | 12.87% |
| Peer 25th percentile | 13.11% | 13.11% | 13.92% | 9.37% | ||
| Peer median | 13.78% | 13.78% | 15.03% | 9.87% | ||
| Peer 75th percentile | 18.10% | 18.10% | 19.13% | 12.22% | ||
| This bank's percentile | 40 | 40 | 40 | 60 |
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/3445901/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.