Riverhills Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.37% (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: 6.37% (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 13.11% +6.61 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 | $36.6M | 36,614 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $279.2M | 279,189 | RCOAA223 |
| Recomputed ratio | 13.11% | numerator / denominator | |
| Filed ratio | 13.11% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.61 pp | $18.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.11% +5.11 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 | $36.6M | 36,614 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $279.2M | 279,189 | RCOAA223 |
| Recomputed ratio | 13.11% | numerator / denominator | |
| Filed ratio | 13.11% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.11 pp | $14.3M | capital that could be lost first |
Total risk-based capital ratio 14.37% +4.37 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 | $40.1M | 40,107 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $279.2M | 279,189 | RCOAA223 |
| Recomputed ratio | 14.37% | numerator / denominator | |
| Filed ratio | 14.37% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.37 pp | $12.2M | capital that could be lost first |
Tier 1 leverage ratio 10.69% +5.69 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 | $36.6M | 36,614 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $342.5M | 342,456 | RCOAA224 |
| Recomputed ratio | 10.69% | numerator / denominator | |
| Filed ratio | 10.69% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.69 pp | $19.5M | 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 | 2,450 | 2,450 | 2,450 | 2,450 | 2,450 | 2,450 | RCOAP742 |
| Retained earnings | 34,164 | 33,217 | 32,169 | 32,007 | 31,091 | 29,932 | RCOAKW00 |
| Accumulated other comprehensive income | (564) | (551) | (515) | (413) | (392) | (341) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 36,050 | 35,116 | 34,104 | 34,044 | 33,149 | 32,041 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 564 | 551 | 515 | 413 | 392 | 341 | P859 - P840 |
| Common equity Tier 1 capital | 36,614 | 35,667 | 34,619 | 34,457 | 33,541 | 32,382 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 36,614 | 35,667 | 34,619 | 34,457 | 33,541 | 32,382 | RCOA8274 |
| Tier 2 capital | 3,493 | 3,556 | 3,312 | 3,296 | 3,274 | 3,391 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,493 | 3,556 | 3,312 | 3,296 | 3,274 | 3,391 | RCOA5310 |
| Total capital | 40,107 | 39,223 | 37,931 | 37,753 | 36,815 | 35,773 | RCOA3792 |
| Total risk-weighted assets | 279,189 | 284,351 | 264,606 | 263,386 | 261,726 | 271,194 | RCOAA223 |
| Average total assets for the leverage ratio | 342,456 | 345,775 | 348,984 | 333,982 | 319,737 | 315,062 | 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 | $4.2M | $372K | 8.76% | 0.13% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $713K | $713K | 100.00% | 0.26% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $61.0M | $30.5M | 50.00% | 10.91% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $346K | $519K | 150.00% | 0.19% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $225.7M | $199.3M | 88.33% | 71.32% | RC-R Part II, item 4.d, 5.d |
| All other assets | $17.2M | $18.5M | 107.44% | 6.60% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $22.0M | $22.0M | 100.00% | 7.86% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $7.6M | NA | 2.73% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $271.8M | ties to item 31 ($271.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $279.5M | RCONB704 |
| Less: excess allowance for credit losses | $294K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $279.2M | 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 | 13.11% | 13.11% | 14.37% | 10.69% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.54% | 12.54% | 13.79% | 10.32% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.08% | 13.08% | 14.33% | 9.92% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.08% | 13.08% | 14.33% | 10.32% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.82% | 12.82% | 14.07% | 10.49% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.94% | 11.94% | 13.19% | 10.28% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.09% | 12.09% | 13.34% | 10.01% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.78% | 11.78% | 13.03% | 9.88% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.41% | 11.41% | 12.63% | 9.33% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 10.94% | 10.94% | 12.07% | 9.06% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.02% | 11.02% | 12.17% | 9.10% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 10.82% | 10.82% | 11.94% | 8.92% | 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 |
|---|---|---|---|---|---|---|
| Riverhills Bank (this bank) | Risk-based | 13.11% | 13.11% | 14.37% | 10.69% | |
| Ozark Bank | $341.0M | CBLR | NA | NA | NA | 9.23% |
| The National Bank of Andrews | $340.5M | Risk-based | 13.19% | 13.19% | 14.44% | 10.11% |
| Community Bank of Parkersburg | $340.3M | CBLR | NA | NA | NA | 9.90% |
| Alamosa State Bank | $340.3M | Risk-based | 22.11% | 22.11% | 23.30% | 12.85% |
| Genesis Bank | $340.3M | Risk-based | 15.51% | 18.12% | 19.38% | 11.01% |
| The Cleveland State Bank | $340.2M | CBLR | NA | NA | NA | 11.18% |
| Midwest Independent Bankersbank | $341.4M | Risk-based | 16.43% | 16.43% | 17.68% | 15.26% |
| Exchange Bank Co. | $341.5M | CBLR | NA | NA | NA | 9.11% |
| Cumberland Federal Bank, FSB | $341.6M | Risk-based | 17.21% | 17.21% | 18.19% | 10.06% |
| Peer 25th percentile | 15.51% | 16.43% | 17.68% | 9.90% | ||
| Peer median | 16.43% | 17.21% | 18.19% | 10.11% | ||
| Peer 75th percentile | 17.21% | 18.12% | 19.38% | 11.18% | ||
| This bank's percentile | 0 | 0 | 0 | 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/371223/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.