Shore United Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.56% (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: 5.56% (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 12.31% +5.81 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 | $600.5M | 600,541 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.88B | 4,879,247 | RCOAA223 |
| Recomputed ratio | 12.31% | numerator / denominator | |
| Filed ratio | 12.31% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.81 pp | $283.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.31% +4.31 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 | $600.5M | 600,541 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.88B | 4,879,247 | RCOAA223 |
| Recomputed ratio | 12.31% | numerator / denominator | |
| Filed ratio | 12.31% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.31 pp | $210.2M | capital that could be lost first |
Total risk-based capital ratio 13.56% +3.56 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 | $661.5M | 661,531 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.88B | 4,879,247 | RCOAA223 |
| Recomputed ratio | 13.56% | numerator / denominator | |
| Filed ratio | 13.56% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.56 pp | $173.6M | capital that could be lost first |
Tier 1 leverage ratio 10.00% +5.00 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 | $600.5M | 600,541 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $6.00B | 6,002,596 | RCOAA224 |
| Recomputed ratio | 10.00% | numerator / denominator | |
| Filed ratio | 10.00% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.00 pp | $300.4M | 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 | 445,842 | 445,842 | 445,842 | 445,842 | 445,842 | 445,842 | RCOAP742 |
| Retained earnings | 235,286 | 220,026 | 207,030 | 198,587 | 187,599 | 177,562 | RCOAKW00 |
| Accumulated other comprehensive income | (6,089) | (5,270) | (4,593) | (4,759) | (5,603) | (6,333) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 675,039 | 660,598 | 648,279 | 639,670 | 627,838 | 617,071 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (74,498) | (76,865) | (79,096) | (80,458) | (81,208) | (82,247) | P859 - P840 |
| Common equity Tier 1 capital | 600,541 | 583,733 | 569,183 | 559,212 | 546,630 | 534,824 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 600,541 | 583,733 | 569,183 | 559,212 | 546,630 | 534,824 | RCOA8274 |
| Tier 2 capital | 60,990 | 59,894 | 60,563 | 60,822 | 60,605 | 59,726 | RCOA5311 |
| Allowance includable in Tier 2 capital | 60,990 | 59,894 | 60,563 | 60,822 | 60,605 | 59,726 | RCOA5310 |
| Total capital | 661,531 | 643,627 | 629,746 | 620,034 | 607,235 | 594,550 | RCOA3792 |
| Total risk-weighted assets | 4,879,247 | 4,791,223 | 4,844,639 | 4,864,871 | 4,888,558 | 4,821,975 | RCOAA223 |
| Average total assets for the leverage ratio | 6,002,596 | 6,093,905 | 6,122,775 | 5,939,890 | 5,940,411 | 6,050,130 | 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 | $258.0M | $14.1M | 5.47% | 0.29% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $585.4M | $135.7M | 23.19% | 2.78% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $1.56B | $865.4M | 55.54% | 17.74% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $20.8M | $31.2M | 150.00% | 0.64% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $3.33B | $3.31B | 99.49% | 67.89% | RC-R Part II, item 4.d, 5.d |
| All other assets | $276.2M | $263.4M | 95.37% | 5.40% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $190.6M | $190.6M | 100.00% | 3.91% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $617K | $617K | 100.00% | 0.01% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $65.4M | NA | 1.34% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $4.81B | does not tie to item 31 ($4.81B) |
|---|---|---|
| Risk-weighted assets before deductions | $4.88B | RCONB704 |
| Less: excess allowance for credit losses | $1K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $4.88B | 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 | 12.31% | 12.31% | 13.56% | 10.00% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.18% | 12.18% | 13.43% | 9.58% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.75% | 11.75% | 13.00% | 9.30% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.49% | 11.49% | 12.75% | 9.41% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.18% | 11.18% | 12.42% | 9.20% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.09% | 11.09% | 12.33% | 8.84% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 10.75% | 10.75% | 11.97% | 8.58% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.60% | 10.60% | 11.84% | 8.90% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.45% | 10.45% | 11.69% | 8.71% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.32% | 10.32% | 11.56% | 8.58% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.02% | 10.02% | 11.27% | 8.33% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 9.85% | 9.85% | 11.09% | 8.17% | 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 |
|---|---|---|---|---|---|---|
| Shore United Bank, N.A. (this bank) | Risk-based | 12.31% | 12.31% | 13.56% | 10.00% | |
| Middlesex Savings Bank | $6.15B | Risk-based | 18.24% | 18.24% | 19.01% | 13.44% |
| First Financial Bank, N.A. | $6.17B | Risk-based | 12.62% | 12.62% | 13.63% | 10.36% |
| CFG Bank | $6.12B | Risk-based | 12.50% | 12.50% | 13.71% | 11.29% |
| First International Bank and Trust | $6.18B | Risk-based | 10.68% | 10.68% | 11.71% | 9.06% |
| SmartBank | $6.11B | Risk-based | 11.38% | 11.38% | 12.30% | 9.86% |
| Bradesco Bank | $6.10B | Risk-based | 13.93% | 13.93% | 14.95% | 10.09% |
| Mercantile Bank | $6.24B | Risk-based | 12.59% | 12.59% | 13.54% | 11.61% |
| River City Bank | $6.04B | Risk-based | 13.18% | 13.18% | 14.44% | 9.22% |
| Five Star Bank | $6.29B | Risk-based | 12.72% | 12.72% | 13.69% | 10.87% |
| Peer 25th percentile | 12.50% | 12.50% | 13.54% | 9.86% | ||
| Peer median | 12.62% | 12.62% | 13.69% | 10.36% | ||
| Peer 75th percentile | 13.18% | 13.18% | 14.44% | 11.29% | ||
| This bank's percentile | 22 | 22 | 33 | 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/933023/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.