Root River State Bank: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 12.11% (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: 12.11% (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 19.54% +13.04 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 | $8.8M | 8,769 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $44.9M | 44,878 | RCOAA223 |
| Recomputed ratio | 19.54% | numerator / denominator | |
| Filed ratio | 19.54% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +13.04 pp | $5.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 19.54% +11.54 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 | $8.8M | 8,769 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $44.9M | 44,878 | RCOAA223 |
| Recomputed ratio | 19.54% | numerator / denominator | |
| Filed ratio | 19.54% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +11.54 pp | $5.2M | capital that could be lost first |
Total risk-based capital ratio 20.11% +10.11 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 | $9.0M | 9,025 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $44.9M | 44,878 | RCOAA223 |
| Recomputed ratio | 20.11% | numerator / denominator | |
| Filed ratio | 20.11% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +10.11 pp | $4.5M | capital that could be lost first |
Tier 1 leverage ratio 9.73% +4.73 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 | $8.8M | 8,769 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $90.2M | 90,165 | RCOAA224 |
| Recomputed ratio | 9.73% | numerator / denominator | |
| Filed ratio | 9.73% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.73 pp | $4.3M | 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 | 3,751 | 3,751 | 3,751 | 3,751 | 3,751 | 3,751 | RCOAP742 |
| Retained earnings | 5,035 | 5,002 | 5,003 | 4,996 | 4,979 | 4,951 | RCOAKW00 |
| Accumulated other comprehensive income | (2,623) | (2,588) | (2,453) | (2,580) | (3,079) | (3,328) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 6,163 | 6,165 | 6,301 | 6,167 | 5,651 | 5,374 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,606 | 2,571 | 2,447 | 2,574 | 3,073 | 3,322 | P859 - P840 |
| Common equity Tier 1 capital | 8,769 | 8,736 | 8,748 | 8,741 | 8,724 | 8,696 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 8,769 | 8,736 | 8,748 | 8,741 | 8,724 | 8,696 | RCOA8274 |
| Tier 2 capital | 256 | 256 | 256 | 256 | 256 | 256 | RCOA5311 |
| Allowance includable in Tier 2 capital | 256 | 256 | 256 | 256 | 256 | 256 | RCOA5310 |
| Total capital | 9,025 | 8,992 | 9,004 | 8,997 | 8,980 | 8,952 | RCOA3792 |
| Total risk-weighted assets | 44,878 | 43,733 | 44,526 | 43,460 | 44,436 | 44,684 | RCOAA223 |
| Average total assets for the leverage ratio | 90,165 | 90,704 | 86,052 | 84,298 | 85,159 | 84,567 | 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 | $9.5M | $1.7M | 18.12% | 3.85% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $44.2M | $8.9M | 20.11% | 19.81% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $4.0M | $4.0M | 100.00% | 8.91% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $5.9M | $2.9M | 50.00% | 6.52% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $22.4M | $22.4M | 100.00% | 49.94% | RC-R Part II, item 4.c, 5.c |
| All other assets | $4.7M | $4.5M | 96.53% | 10.07% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $401K | $401K | 100.00% | 0.89% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | 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 | $44.9M | ties to item 31 ($44.9M) |
|---|---|---|
| Risk-weighted assets before deductions | $44.9M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $44.9M | 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 | 19.54% | 19.54% | 20.11% | 9.73% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | Risk-based | 19.98% | 19.98% | 20.56% | 9.63% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | Risk-based | 19.65% | 19.65% | 20.22% | 10.17% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | Risk-based | 20.11% | 20.11% | 20.70% | 10.37% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | Risk-based | 19.63% | 19.63% | 20.21% | 10.24% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | Risk-based | 19.46% | 19.46% | 20.03% | 10.28% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | Risk-based | 19.58% | 19.58% | 20.16% | 10.31% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | Risk-based | 19.16% | 19.16% | 19.72% | 10.21% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | Risk-based | 19.41% | 19.41% | 19.98% | 10.01% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | 20.20% | 20.20% | 20.80% | 9.75% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | 19.26% | 19.26% | 19.82% | 9.78% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | Risk-based | 19.61% | 19.61% | 20.18% | 9.76% | 20.70% | 20.70% | 21.86% | 12.73% |
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 |
|---|---|---|---|---|---|---|
| Root River State Bank (this bank) | Risk-based | 19.54% | 19.54% | 20.11% | 9.73% | |
| The Watkins Savings Bank | $86.7M | CBLR | NA | NA | NA | 14.80% |
| First State Bank of Randolph County | $86.9M | Risk-based | 15.14% | 15.14% | 15.77% | 8.30% |
| Angelina Savings Bank, SSB | $86.9M | Risk-based | 26.61% | 26.61% | 27.87% | 11.44% |
| Raymond James Trust, N.A. | $86.6M | Risk-based | 215.65% | 215.65% | 215.65% | 84.26% |
| Scribner Bank | $86.9M | CBLR | NA | NA | NA | 16.56% |
| Paramount Bank | $86.6M | Risk-based | 15.71% | 15.71% | 16.78% | 10.88% |
| Tustin Community Bank | $86.5M | CBLR | NA | NA | NA | 15.46% |
| Farmers and Merchants State Bank of Bushnell | $86.5M | Risk-based | 23.72% | 23.72% | 24.51% | 10.49% |
| North Cambridge Co-Operative Bank | $87.1M | Risk-based | 64.52% | 64.52% | 65.77% | 29.10% |
| The Four County Bank | $87.1M | CBLR | NA | NA | NA | 13.83% |
| Peer 25th percentile | 17.71% | 17.71% | 18.71% | 11.02% | ||
| Peer median | 25.16% | 25.16% | 26.19% | 14.32% | ||
| Peer 75th percentile | 55.04% | 55.04% | 56.30% | 16.29% | ||
| This bank's percentile | 33 | 33 | 33 | 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/309851/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.