Royal Business Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 12.93% (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: 12.93% (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 19.68% +13.18 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 | $520.4M | 520,358 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.64B | 2,644,184 | RCOAA223 |
| Recomputed ratio | 19.68% | numerator / denominator | |
| Filed ratio | 19.68% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +13.18 pp | $348.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 19.68% +11.68 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 | $520.4M | 520,358 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.64B | 2,644,184 | RCOAA223 |
| Recomputed ratio | 19.68% | numerator / denominator | |
| Filed ratio | 19.68% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +11.68 pp | $308.8M | capital that could be lost first |
Total risk-based capital ratio 20.93% +10.93 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 | $553.5M | 553,546 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.64B | 2,644,184 | RCOAA223 |
| Recomputed ratio | 20.93% | numerator / denominator | |
| Filed ratio | 20.93% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +10.93 pp | $289.1M | capital that could be lost first |
Tier 1 leverage ratio 12.54% +7.54 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 | $520.4M | 520,358 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $4.15B | 4,147,958 | RCOAA224 |
| Recomputed ratio | 12.54% | numerator / denominator | |
| Filed ratio | 12.54% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.54 pp | $313.0M | 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 | 392,112 | 391,414 | 391,136 | 390,844 | 390,573 | 389,649 | RCOAP742 |
| Retained earnings | 200,611 | 238,287 | 225,685 | 214,449 | 203,252 | 237,173 | RCOAKW00 |
| Accumulated other comprehensive income | (14,608) | (14,283) | (13,321) | (14,441) | (16,013) | (17,295) | RCOAB530 |
| Common equity Tier 1 minority interest | 72 | 72 | 72 | 72 | 72 | 72 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 578,187 | 615,490 | 603,572 | 590,924 | 577,884 | 609,599 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (57,829) | (58,199) | (59,277) | (58,253) | (56,797) | (55,630) | P859 - P840 |
| Common equity Tier 1 capital | 520,358 | 557,291 | 544,295 | 532,671 | 521,087 | 553,969 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 520,358 | 557,291 | 544,295 | 532,671 | 521,087 | 553,969 | RCOA8274 |
| Tier 2 capital | 33,188 | 33,160 | 33,216 | 33,063 | 32,875 | 31,969 | RCOA5311 |
| Allowance includable in Tier 2 capital | 33,188 | 33,160 | 33,216 | 33,063 | 32,875 | 31,969 | RCOA5310 |
| Total capital | 553,546 | 590,451 | 577,511 | 565,734 | 553,962 | 585,938 | RCOA3792 |
| Total risk-weighted assets | 2,644,184 | 2,641,834 | 2,646,120 | 2,632,696 | 2,611,225 | 2,536,907 | RCOAA223 |
| Average total assets for the leverage ratio | 4,147,958 | 4,138,924 | 4,124,116 | 4,088,572 | 3,946,336 | 3,881,769 | 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 | $283.2M | $2.0M | 0.70% | 0.08% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $432.2M | $127.7M | 29.54% | 4.81% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $2.11B | $1.05B | 50.01% | 39.72% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $23.4M | $35.0M | 150.00% | 1.32% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.18B | $1.17B | 99.22% | 43.99% | RC-R Part II, item 4.d, 5.d |
| All other assets | $234.5M | $230.9M | 98.47% | 8.70% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $37.0M | $36.8M | 99.56% | 1.39% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $600 | 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 | $2.66B | ties to item 31 ($2.66B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.66B | RCONB704 |
| Less: excess allowance for credit losses | $10.9M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.64B | 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 | 19.68% | 19.68% | 20.93% | 12.54% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 21.09% | 21.09% | 22.35% | 13.46% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 20.57% | 20.57% | 21.82% | 13.20% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 20.23% | 20.23% | 21.49% | 13.03% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 19.96% | 19.96% | 21.21% | 13.20% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 21.84% | 21.84% | 23.10% | 14.27% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 21.74% | 21.74% | 22.99% | 13.96% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 21.84% | 21.84% | 23.10% | 14.19% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 22.87% | 22.87% | 24.12% | 14.61% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 22.60% | 22.60% | 23.86% | 13.95% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 22.41% | 22.41% | 23.67% | 13.62% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 21.83% | 21.83% | 23.09% | 13.99% | 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 |
|---|---|---|---|---|---|---|
| Royal Business Bank (this bank) | Risk-based | 19.68% | 19.68% | 20.93% | 12.54% | |
| Inwood National Bank | $4.26B | Risk-based | 16.18% | 16.18% | 16.98% | 10.79% |
| The First Bank and Trust Company | $4.28B | Risk-based | 12.58% | 12.58% | 13.83% | 10.07% |
| Civista Bank | $4.29B | Risk-based | 16.39% | 16.39% | 17.64% | 12.71% |
| The Bank of Missouri | $4.23B | Risk-based | 10.30% | 10.30% | 11.23% | 9.15% |
| National Cooperative Bank, N.A. | $4.33B | Risk-based | 14.05% | 14.05% | 14.99% | 11.28% |
| Primis Bank | $4.34B | Risk-based | 10.63% | 10.63% | 11.88% | 9.51% |
| Texas Bank and Trust Company | $4.34B | Risk-based | 15.85% | 15.85% | 17.10% | 13.10% |
| Bessemer Trust Company, N.A. | $4.16B | Risk-based | 23.20% | 23.20% | 23.20% | 7.62% |
| United Community Bank | $4.13B | Risk-based | 13.70% | 13.70% | 14.87% | 10.17% |
| Sunwest Bank | $4.41B | Risk-based | 10.40% | 10.40% | 11.66% | 9.71% |
| Peer 25th percentile | 11.12% | 11.12% | 12.37% | 9.56% | ||
| Peer median | 13.88% | 13.88% | 14.93% | 10.12% | ||
| Peer 75th percentile | 16.10% | 16.10% | 17.07% | 11.16% | ||
| This bank's percentile | 90 | 90 | 90 | 80 |
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/3835454/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.