Solutions North Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.54% (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: 7.54% (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 14.28% +7.78 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 | $51.0M | 51,046 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $357.4M | 357,375 | RCOAA223 |
| Recomputed ratio | 14.28% | numerator / denominator | |
| Filed ratio | 14.28% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.78 pp | $27.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.28% +6.28 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 | $51.0M | 51,046 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $357.4M | 357,375 | RCOAA223 |
| Recomputed ratio | 14.28% | numerator / denominator | |
| Filed ratio | 14.28% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.28 pp | $22.5M | capital that could be lost first |
Total risk-based capital ratio 15.54% +5.54 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 | $55.5M | 55,524 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $357.4M | 357,375 | RCOAA223 |
| Recomputed ratio | 15.54% | numerator / denominator | |
| Filed ratio | 15.54% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.54 pp | $19.8M | capital that could be lost first |
Tier 1 leverage ratio 10.90% +5.90 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 | $51.0M | 51,046 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $468.5M | 468,474 | RCOAA224 |
| Recomputed ratio | 10.90% | numerator / denominator | |
| Filed ratio | 10.90% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.90 pp | $27.6M | 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 | 37,412 | 37,412 | 37,412 | 37,412 | 37,412 | 37,412 | RCOAP742 |
| Retained earnings | 22,918 | 22,517 | 20,899 | 21,254 | 20,161 | 19,208 | RCOAKW00 |
| Accumulated other comprehensive income | (2,465) | (2,229) | (1,025) | (1,578) | (3,191) | (3,975) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 57,865 | 57,700 | 57,286 | 57,088 | 54,382 | 52,645 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (6,819) | (7,346) | (8,840) | (8,577) | (7,254) | (6,761) | P859 - P840 |
| Common equity Tier 1 capital | 51,046 | 50,354 | 48,446 | 48,511 | 47,128 | 45,884 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 51,046 | 50,354 | 48,446 | 48,511 | 47,128 | 45,884 | RCOA8274 |
| Tier 2 capital | 4,478 | 4,494 | 4,605 | 4,489 | 4,497 | 4,369 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,478 | 4,494 | 4,605 | 4,489 | 4,497 | 4,369 | RCOA5310 |
| Total capital | 55,524 | 54,848 | 53,051 | 53,000 | 51,625 | 50,253 | RCOA3792 |
| Total risk-weighted assets | 357,375 | 358,789 | 367,852 | 358,484 | 359,211 | 348,941 | RCOAA223 |
| Average total assets for the leverage ratio | 468,474 | 478,013 | 461,392 | 457,743 | 465,173 | 485,852 | 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 | $8.9M | $1.4M | 15.29% | 0.38% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $140.7M | $10.3M | 7.33% | 2.88% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $8.1M | $1.8M | 21.67% | 0.49% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $48.6M | $24.3M | 50.02% | 6.79% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $803K | $1.2M | 150.00% | 0.34% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $246.7M | $244.5M | 99.12% | 68.25% | RC-R Part II, item 4.d, 5.d |
| All other assets | $21.2M | $19.3M | 90.93% | 5.38% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $453K | $5.7M | 1250.00% | 1.58% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $43.6M | $43.6M | 100.00% | 12.18% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $6.2M | NA | 1.74% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $352.0M | ties to item 31 ($352.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $358.2M | RCONB704 |
| Less: excess allowance for credit losses | $839K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $357.4M | 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 | 14.28% | 14.28% | 15.54% | 10.90% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.03% | 14.03% | 15.29% | 10.53% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.17% | 13.17% | 14.42% | 10.50% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.53% | 13.53% | 14.78% | 10.60% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.12% | 13.12% | 14.37% | 10.13% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.15% | 13.15% | 14.40% | 9.44% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.74% | 12.74% | 13.99% | 9.29% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.69% | 11.69% | 12.94% | 9.14% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 16.61% | 16.61% | 17.86% | 13.76% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 16.50% | 16.50% | 17.75% | 13.27% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.94% | 15.94% | 17.19% | 13.03% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 16.35% | 16.35% | 17.60% | 13.07% | 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 |
|---|---|---|---|---|---|---|
| Solutions North Bank (this bank) | Risk-based | 14.28% | 14.28% | 15.54% | 10.90% | |
| Lake-Osceola State Bank | $469.4M | Risk-based | 20.06% | 20.06% | 21.16% | 12.53% |
| First National Bank in Olney | $469.3M | CBLR | NA | NA | NA | 10.83% |
| Northview Bank | $469.7M | CBLR | NA | NA | NA | 10.75% |
| Bank of Western Oklahoma | $469.7M | Risk-based | 10.34% | 10.34% | 11.20% | 8.06% |
| Iowa State Bank | $470.7M | Risk-based | 15.83% | 15.83% | 17.05% | 11.17% |
| The Neffs National Bank | $470.8M | CBLR | NA | NA | NA | 16.82% |
| Citizens National Bank of Cheboygan | $471.0M | Risk-based | 14.29% | 14.29% | 15.45% | 8.49% |
| McBank | $467.2M | Risk-based | 18.50% | 18.50% | 19.68% | 10.01% |
| The First National Bank of Livingston | $467.2M | Risk-based | 36.97% | 36.97% | 38.22% | 15.54% |
| First National Bank in New Bremen | $467.1M | Risk-based | 32.11% | 32.11% | 33.37% | 10.83% |
| Peer 25th percentile | 15.06% | 15.06% | 16.25% | 10.19% | ||
| Peer median | 18.50% | 18.50% | 19.68% | 10.83% | ||
| Peer 75th percentile | 26.08% | 26.08% | 27.27% | 12.19% | ||
| This bank's percentile | 14 | 14 | 29 | 60 |
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/612159/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.