Southeast Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.30% (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: 5.30% (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 12.52% +6.02 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 | $305.6M | 305,551 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.44B | 2,439,540 | RCOAA223 |
| Recomputed ratio | 12.52% | numerator / denominator | |
| Filed ratio | 12.52% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.02 pp | $147.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.52% +4.52 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 | $305.6M | 305,551 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.44B | 2,439,540 | RCOAA223 |
| Recomputed ratio | 12.52% | numerator / denominator | |
| Filed ratio | 12.52% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.52 pp | $110.4M | capital that could be lost first |
Total risk-based capital ratio 13.30% +3.30 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 | $324.5M | 324,456 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.44B | 2,439,540 | RCOAA223 |
| Recomputed ratio | 13.30% | numerator / denominator | |
| Filed ratio | 13.30% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.30 pp | $80.5M | capital that could be lost first |
Tier 1 leverage ratio 8.51% +3.51 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 | $305.6M | 305,551 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.59B | 3,588,408 | RCOAA224 |
| Recomputed ratio | 8.51% | numerator / denominator | |
| Filed ratio | 8.51% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.51 pp | $126.1M | 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 | 99,503 | 99,503 | 99,503 | 93,504 | 93,504 | 93,503 | RCOAP742 |
| Retained earnings | 206,235 | 198,214 | 192,907 | 187,217 | 181,403 | 175,350 | RCOAKW00 |
| Accumulated other comprehensive income | 1,231 | 648 | (47) | (2) | (7) | (10) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 306,969 | 298,365 | 292,363 | 280,719 | 274,900 | 268,843 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,418) | (843) | (155) | (207) | (209) | (214) | P859 - P840 |
| Common equity Tier 1 capital | 305,551 | 297,522 | 292,208 | 280,512 | 274,691 | 268,629 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 305,551 | 297,522 | 292,208 | 280,512 | 274,691 | 268,629 | RCOA8274 |
| Tier 2 capital | 18,905 | 20,680 | 20,125 | 19,953 | 18,920 | 18,276 | RCOA5311 |
| Allowance includable in Tier 2 capital | 18,905 | 20,680 | 20,125 | 19,953 | 18,920 | 18,276 | RCOA5310 |
| Total capital | 324,456 | 318,202 | 312,333 | 300,465 | 293,611 | 286,905 | RCOA3792 |
| Total risk-weighted assets | 2,439,540 | 2,417,255 | 2,379,623 | 2,337,860 | 2,232,780 | 2,073,540 | RCOAA223 |
| Average total assets for the leverage ratio | 3,588,408 | 3,494,751 | 3,423,453 | 3,402,225 | 3,318,962 | 3,017,691 | 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 | $286.0M | $82K | 0.03% | 0.00% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $825K | $165K | 20.00% | 0.01% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $371.4M | $211.2M | 56.86% | 8.66% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $45.5M | $68.2M | 150.00% | 2.79% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $81.5M | $17.3M | 21.21% | 0.71% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.62B | $1.84B | 70.06% | 75.29% | RC-R Part II, item 4.d, 5.d |
| All other assets | $189.5M | $125.2M | 66.06% | 5.13% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $241.3M | $176.6M | 73.20% | 7.24% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $6.8M | $1.4M | 20.00% | 0.06% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $2.9M | NA | 0.12% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.44B | ties to item 31 ($2.44B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.44B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.44B | 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 | 12.52% | 12.52% | 13.30% | 8.51% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.31% | 12.31% | 13.16% | 8.51% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.28% | 12.28% | 13.13% | 8.54% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.00% | 12.00% | 12.85% | 8.24% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.30% | 12.30% | 13.15% | 8.28% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.96% | 12.96% | 13.84% | 8.90% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.93% | 13.93% | 14.90% | 9.19% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.96% | 13.96% | 15.14% | 9.13% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 14.01% | 14.01% | 15.17% | 8.75% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.31% | 12.31% | 13.36% | 8.47% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.36% | 12.36% | 13.48% | 9.14% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.23% | 13.23% | 14.30% | 9.37% | 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 |
|---|---|---|---|---|---|---|
| Southeast Bank (this bank) | Risk-based | 12.52% | 12.52% | 13.30% | 8.51% | |
| Manasquan Bank | $3.59B | Risk-based | 11.00% | 11.00% | 11.94% | 9.69% |
| Home Bank, N.A. | $3.60B | Risk-based | 14.41% | 14.41% | 15.61% | 12.11% |
| First Community Bank | $3.61B | Risk-based | 15.32% | 15.32% | 16.58% | 10.23% |
| Colony Bank | $3.61B | Risk-based | 13.55% | 13.55% | 14.42% | 9.97% |
| Village Bank & Trust, N.A. | $3.63B | Risk-based | 10.97% | 10.97% | 11.88% | 9.53% |
| First Community Bank | $3.63B | Risk-based | 10.61% | 10.61% | 11.59% | 9.04% |
| Old Plank Trail Community Bank, N.A. | $3.53B | Risk-based | 10.81% | 10.81% | 11.46% | 8.82% |
| First Premier Bank | $3.64B | Risk-based | 19.95% | 19.95% | 21.18% | 13.67% |
| Parkway Bank and Trust Company | $3.66B | Risk-based | 12.59% | 12.59% | 13.75% | 11.50% |
| Peer 25th percentile | 10.97% | 10.97% | 11.88% | 9.53% | ||
| Peer median | 12.59% | 12.59% | 13.75% | 9.97% | ||
| Peer 75th percentile | 14.41% | 14.41% | 15.61% | 11.50% | ||
| This bank's percentile | 44 | 44 | 44 | 0 |
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/3110197/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.