Schaumburg Bank & Trust Company, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.62% (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: 3.62% (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 11.07% +4.57 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 | $231.0M | 231,010 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.09B | 2,086,383 | RCOAA223 |
| Recomputed ratio | 11.07% | numerator / denominator | |
| Filed ratio | 11.07% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.57 pp | $95.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.07% +3.07 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 | $231.0M | 231,010 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.09B | 2,086,383 | RCOAA223 |
| Recomputed ratio | 11.07% | numerator / denominator | |
| Filed ratio | 11.07% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.07 pp | $64.1M | capital that could be lost first |
Total risk-based capital ratio 11.62% +1.62 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 | $242.3M | 242,344 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.09B | 2,086,383 | RCOAA223 |
| Recomputed ratio | 11.62% | numerator / denominator | |
| Filed ratio | 11.62% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.62 pp | $33.7M | capital that could be lost first |
Tier 1 leverage ratio 9.36% +4.36 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 | $231.0M | 231,010 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.47B | 2,467,888 | RCOAA224 |
| Recomputed ratio | 9.36% | numerator / denominator | |
| Filed ratio | 9.36% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.36 pp | $107.6M | 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 | 115,927 | 115,837 | 115,748 | 115,659 | 115,579 | 115,497 | RCOAP742 |
| Retained earnings | 130,980 | 125,634 | 134,563 | 129,948 | 125,144 | 114,690 | RCOAKW00 |
| Accumulated other comprehensive income | (9,966) | (8,270) | (5,328) | (5,895) | (8,066) | (8,676) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 236,941 | 233,201 | 244,983 | 239,712 | 232,657 | 221,511 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (5,931) | (7,631) | (10,577) | (10,014) | (7,847) | (7,244) | P859 - P840 |
| Common equity Tier 1 capital | 231,010 | 225,570 | 234,406 | 229,698 | 224,810 | 214,267 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 231,010 | 225,570 | 234,406 | 229,698 | 224,810 | 214,267 | RCOA8274 |
| Tier 2 capital | 11,334 | 11,251 | 12,549 | 12,270 | 12,226 | 13,819 | RCOA5311 |
| Allowance includable in Tier 2 capital | 11,334 | 11,251 | 12,549 | 12,270 | 12,226 | 13,819 | RCOA5310 |
| Total capital | 242,344 | 236,821 | 246,955 | 241,968 | 237,036 | 228,086 | RCOA3792 |
| Total risk-weighted assets | 2,086,383 | 1,977,056 | 1,914,427 | 2,010,249 | 2,032,223 | 1,933,993 | RCOAA223 |
| Average total assets for the leverage ratio | 2,467,888 | 2,322,820 | 2,313,783 | 2,380,819 | 2,286,046 | 2,114,272 | 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 | $95.5M | $5.0M | 5.26% | 0.24% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $545.8M | $121.4M | 22.24% | 5.82% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $4K | $800 | 20.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $207.6M | $108.2M | 52.12% | 5.19% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.9M | $2.8M | 150.00% | 0.14% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.65B | $1.63B | 98.92% | 78.28% | RC-R Part II, item 4.d, 5.d |
| All other assets | $61.4M | $52.3M | 85.17% | 2.51% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $164.7M | $159.9M | 97.11% | 7.67% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $7.7M | $3.5M | 44.84% | 0.17% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $100 | 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 | $2.09B | ties to item 31 ($2.09B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.09B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.09B | 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 | 11.07% | 11.07% | 11.62% | 9.36% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.41% | 11.41% | 11.98% | 9.71% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.24% | 12.24% | 12.90% | 10.13% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.43% | 11.43% | 12.04% | 9.65% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.06% | 11.06% | 11.66% | 9.83% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.08% | 11.08% | 11.79% | 10.13% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.53% | 11.53% | 12.22% | 10.03% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.12% | 11.12% | 11.93% | 9.64% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.78% | 10.78% | 11.67% | 9.48% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.71% | 10.71% | 11.47% | 9.71% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.59% | 10.59% | 11.31% | 9.36% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.71% | 10.71% | 11.38% | 8.99% | 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 |
|---|---|---|---|---|---|---|
| Schaumburg Bank & Trust Company, N.A. (this bank) | Risk-based | 11.07% | 11.07% | 11.62% | 9.36% | |
| United Business Bank | $2.56B | Risk-based | 13.76% | 13.76% | 14.87% | 11.66% |
| Horizon Bank, SSB | $2.55B | Risk-based | 11.99% | 11.99% | 13.24% | 8.95% |
| Cornerstone Bank | $2.57B | Risk-based | 11.84% | 11.84% | 12.31% | 9.22% |
| Extraco Banks, N.A. | $2.57B | Risk-based | 15.88% | 15.88% | 17.14% | 8.67% |
| Community National Bank | $2.54B | Risk-based | 17.14% | 17.14% | 18.39% | 12.68% |
| American National Bank & Trust | $2.54B | Risk-based | 12.66% | 12.66% | 13.77% | 10.18% |
| First National Bank | $2.59B | Risk-based | 13.42% | 13.42% | 14.68% | 11.12% |
| State Bank of Texas | $2.59B | CBLR | NA | NA | NA | 15.71% |
| Bank Five Nine | $2.53B | Risk-based | 12.13% | 12.13% | 12.78% | 9.77% |
| Peer 25th percentile | 12.09% | 12.09% | 13.13% | 9.22% | ||
| Peer median | 13.04% | 13.04% | 14.22% | 10.18% | ||
| Peer 75th percentile | 14.29% | 14.29% | 15.44% | 11.66% | ||
| This bank's percentile | 0 | 0 | 0 | 33 |
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/2970657/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.