S & T Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.84% (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: 6.84% (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 13.28% +6.78 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 | $1.05B | 1,048,200 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.90B | 7,895,072 | RCOAA223 |
| Recomputed ratio | 13.28% | numerator / denominator | |
| Filed ratio | 13.28% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.78 pp | $535.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.28% +5.28 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 | $1.05B | 1,048,200 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.90B | 7,895,072 | RCOAA223 |
| Recomputed ratio | 13.28% | numerator / denominator | |
| Filed ratio | 13.28% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.28 pp | $416.6M | capital that could be lost first |
Total risk-based capital ratio 14.84% +4.84 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 | $1.17B | 1,171,897 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.90B | 7,895,072 | RCOAA223 |
| Recomputed ratio | 14.84% | numerator / denominator | |
| Filed ratio | 14.84% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.84 pp | $382.4M | capital that could be lost first |
Tier 1 leverage ratio 11.02% +6.02 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 | $1.05B | 1,048,200 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $9.52B | 9,515,824 | RCOAA224 |
| Recomputed ratio | 11.02% | numerator / denominator | |
| Filed ratio | 11.02% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.02 pp | $572.4M | 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 | 705,946 | 705,946 | 705,946 | 705,946 | 705,946 | 705,946 | RCOAP742 |
| Retained earnings | 717,168 | 747,269 | 797,396 | 779,350 | 759,331 | 741,972 | RCOAKW00 |
| Accumulated other comprehensive income | (49,344) | (47,477) | (41,707) | (45,190) | (52,402) | (60,635) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,373,770 | 1,405,738 | 1,461,635 | 1,440,106 | 1,412,875 | 1,387,283 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (325,570) | (327,582) | (333,141) | (329,782) | (322,701) | (314,567) | P859 - P840 |
| Common equity Tier 1 capital | 1,048,200 | 1,078,156 | 1,128,494 | 1,110,324 | 1,090,174 | 1,072,716 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 1,048,200 | 1,078,156 | 1,128,494 | 1,110,324 | 1,090,174 | 1,072,716 | RCOA8274 |
| Tier 2 capital | 123,697 | 122,218 | 123,680 | 122,160 | 121,213 | 119,203 | RCOA5311 |
| Allowance includable in Tier 2 capital | 98,697 | 97,218 | 98,680 | 97,160 | 96,213 | 94,203 | RCOA5310 |
| Total capital | 1,171,897 | 1,200,374 | 1,252,174 | 1,232,484 | 1,211,387 | 1,191,919 | RCOA3792 |
| Total risk-weighted assets | 7,895,072 | 7,775,446 | 7,893,467 | 7,765,107 | 7,688,793 | 7,526,780 | RCOAA223 |
| Average total assets for the leverage ratio | 9,515,824 | 9,531,685 | 9,478,465 | 9,478,281 | 9,406,469 | 9,323,850 | 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 | $217.4M | $9.4M | 4.35% | 0.12% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.06B | $138.7M | 13.12% | 1.76% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $2.52B | $1.38B | 54.77% | 17.48% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $36.9M | $55.4M | 150.00% | 0.70% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $26.4M | $39.5M | 150.00% | 0.50% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $5.48B | $5.36B | 97.81% | 67.91% | RC-R Part II, item 4.d, 5.d |
| Trading assets | $12.2M | $12.2M | 100.00% | 0.15% | RC-R Part II, item 7 |
| All other assets | $258.0M | $246.6M | 95.60% | 3.12% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $332K | $4.2M | 1250.00% | 0.05% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $615.7M | $618.2M | 100.40% | 7.83% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $43.5M | $11.8M | 27.23% | 0.15% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $17.8M | NA | 0.23% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $7.88B | ties to item 31 ($7.88B) |
|---|---|---|
| Risk-weighted assets before deductions | $7.90B | RCONB704 |
| Less: excess allowance for credit losses | $650K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $7.90B | 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 | 13.28% | 13.28% | 14.84% | 11.02% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.87% | 13.87% | 15.44% | 11.31% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 14.30% | 14.30% | 15.86% | 11.91% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 14.30% | 14.30% | 15.87% | 11.71% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 14.18% | 14.18% | 15.76% | 11.59% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 14.25% | 14.25% | 15.84% | 11.51% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.21% | 14.21% | 15.79% | 11.43% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 14.05% | 14.05% | 15.63% | 11.17% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.60% | 13.60% | 15.18% | 11.02% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.37% | 13.37% | 14.95% | 10.86% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.18% | 13.18% | 14.76% | 10.79% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.95% | 12.95% | 14.53% | 10.72% | 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 |
|---|---|---|---|---|---|---|
| S & T Bank (this bank) | Risk-based | 13.28% | 13.28% | 14.84% | 11.02% | |
| Tri Counties Bank | $9.93B | Risk-based | 13.69% | 13.69% | 14.94% | 12.00% |
| Byline Bank | $9.91B | Risk-based | 14.00% | 14.00% | 15.25% | 12.88% |
| Principal Bank | $9.84B | Risk-based | 14.91% | 14.91% | 15.07% | 7.13% |
| Capitol Federal Savings Bank | $9.68B | CBLR | NA | NA | NA | 9.57% |
| EagleBank | $9.62B | Risk-based | 14.95% | 14.95% | 16.20% | 11.49% |
| RBC Bank (Georgia), N.A. | $9.59B | Risk-based | 48.11% | 48.11% | 49.16% | 10.42% |
| Wintrust Bank, N.A. | $9.57B | Risk-based | 12.25% | 12.25% | 13.27% | 11.41% |
| Peoples Bank | $9.53B | Risk-based | 12.30% | 12.30% | 13.40% | 9.70% |
| Amalgamated Bank | $9.41B | Risk-based | 14.78% | 14.78% | 15.96% | 9.60% |
| Liberty Bank | $9.38B | Risk-based | 13.66% | 13.66% | 14.65% | 13.37% |
| Peer 25th percentile | 13.66% | 13.66% | 14.65% | 9.63% | ||
| Peer median | 14.00% | 14.00% | 15.07% | 10.91% | ||
| Peer 75th percentile | 14.91% | 14.91% | 15.96% | 11.87% | ||
| This bank's percentile | 22 | 22 | 33 | 50 |
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/936426/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.