Seattle Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.51% (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: 6.51% (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 13.25% +6.75 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 | $92.7M | 92,665 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $699.3M | 699,256 | RCOAA223 |
| Recomputed ratio | 13.25% | numerator / denominator | |
| Filed ratio | 13.25% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.75 pp | $47.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.25% +5.25 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 | $92.7M | 92,665 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $699.3M | 699,256 | RCOAA223 |
| Recomputed ratio | 13.25% | numerator / denominator | |
| Filed ratio | 13.25% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.25 pp | $36.7M | capital that could be lost first |
Total risk-based capital ratio 14.51% +4.51 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 | $101.5M | 101,469 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $699.3M | 699,256 | RCOAA223 |
| Recomputed ratio | 14.51% | numerator / denominator | |
| Filed ratio | 14.51% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.51 pp | $31.5M | capital that could be lost first |
Tier 1 leverage ratio 10.29% +5.29 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 | $92.7M | 92,665 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $900.9M | 900,932 | RCOAA224 |
| Recomputed ratio | 10.29% | numerator / denominator | |
| Filed ratio | 10.29% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.29 pp | $47.6M | 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 | 95,647 | 95,647 | 95,647 | 95,647 | 95,647 | 95,647 | RCOAP742 |
| Retained earnings | (1,130) | (686) | (897) | (459) | (64) | 1,228 | RCOAKW00 |
| Accumulated other comprehensive income | (599) | (713) | (586) | (629) | (931) | (1,007) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 93,918 | 94,248 | 94,164 | 94,559 | 94,652 | 95,868 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,253) | (436) | 586 | 629 | 931 | 1,007 | P859 - P840 |
| Common equity Tier 1 capital | 92,665 | 93,812 | 94,750 | 95,188 | 95,583 | 96,875 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 92,665 | 93,812 | 94,750 | 95,188 | 95,583 | 96,875 | RCOA8274 |
| Tier 2 capital | 8,804 | 8,013 | 9,540 | 9,996 | 9,910 | 8,414 | RCOA5311 |
| Allowance includable in Tier 2 capital | 8,804 | 8,013 | 9,540 | 9,996 | 9,910 | 8,414 | RCOA5310 |
| Total capital | 101,469 | 101,825 | 104,290 | 105,184 | 105,493 | 105,289 | RCOA3792 |
| Total risk-weighted assets | 699,256 | 632,434 | 754,928 | 791,239 | 783,032 | 660,465 | RCOAA223 |
| Average total assets for the leverage ratio | 900,932 | 1,025,705 | 1,018,511 | 1,026,433 | 946,131 | 934,089 | 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 | $111.7M | $326K | 0.29% | 0.05% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $23.8M | $12.3M | 51.74% | 1.75% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $212.8M | $106.5M | 50.04% | 15.12% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $297K | $446K | 150.00% | 0.06% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $523.3M | $523.2M | 99.98% | 74.28% | RC-R Part II, item 4.d, 5.d |
| All other assets | $27.9M | $27.4M | 98.19% | 3.89% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $30.7M | $30.7M | 100.00% | 4.36% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $3.4M | NA | 0.49% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $700.9M | does not tie to item 31 ($701.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $704.4M | RCONB704 |
| Less: excess allowance for credit losses | $5.1M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $699.3M | 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 | 13.25% | 13.25% | 14.51% | 10.29% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.83% | 14.83% | 16.10% | 9.15% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.55% | 12.55% | 13.81% | 9.30% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.03% | 12.03% | 13.29% | 9.27% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.21% | 12.21% | 13.47% | 10.10% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.67% | 14.67% | 15.94% | 10.37% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.43% | 14.43% | 15.71% | 10.54% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.72% | 15.72% | 17.00% | 10.69% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 16.56% | 16.56% | 17.86% | 11.26% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 17.44% | 17.44% | 18.74% | 11.59% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 17.83% | 17.83% | 19.13% | 12.57% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 17.54% | 17.54% | 18.81% | 12.71% | 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 |
|---|---|---|---|---|---|---|
| Seattle Bank (this bank) | Risk-based | 13.25% | 13.25% | 14.51% | 10.29% | |
| The Savings Bank | $891.0M | CBLR | NA | NA | NA | 9.45% |
| Traditions Bank | $890.9M | Risk-based | 13.60% | 13.60% | 14.85% | 10.50% |
| Central State Bank | $890.7M | CBLR | NA | NA | NA | 8.98% |
| Southwest Heritage Bank | $892.8M | Risk-based | 15.11% | 15.11% | 16.25% | 13.36% |
| United Bank & Trust | $892.9M | CBLR | NA | NA | NA | 11.51% |
| First Bank | $889.9M | Risk-based | 24.62% | 24.62% | 25.87% | 10.16% |
| First Southern State Bank | $893.5M | CBLR | NA | NA | NA | 10.59% |
| Newfield National Bank | $889.1M | Risk-based | 18.68% | 18.68% | 19.93% | 10.07% |
| 21st Century Bank | $894.8M | Risk-based | 14.71% | 14.71% | 15.70% | 10.66% |
| Peer 25th percentile | 14.71% | 14.71% | 15.70% | 10.07% | ||
| Peer median | 15.11% | 15.11% | 16.25% | 10.50% | ||
| Peer 75th percentile | 18.68% | 18.68% | 19.93% | 10.66% | ||
| This bank's percentile | 0 | 0 | 0 | 44 |
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/2838207/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.