Southwest Capital Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.72% (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: 8.72% (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 15.73% +9.23 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 | $51.1M | 51,084 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $324.7M | 324,722 | RCOAA223 |
| Recomputed ratio | 15.73% | numerator / denominator | |
| Filed ratio | 15.73% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.23 pp | $30.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.73% +7.73 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 | $51.1M | 51,084 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $324.7M | 324,722 | RCOAA223 |
| Recomputed ratio | 15.73% | numerator / denominator | |
| Filed ratio | 15.73% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.73 pp | $25.1M | capital that could be lost first |
Total risk-based capital ratio 16.72% +6.72 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 | $54.3M | 54,300 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $324.7M | 324,722 | RCOAA223 |
| Recomputed ratio | 16.72% | numerator / denominator | |
| Filed ratio | 16.72% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.72 pp | $21.8M | capital that could be lost first |
Tier 1 leverage ratio 10.82% +5.82 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 | $51.1M | 51,084 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $472.3M | 472,294 | RCOAA224 |
| Recomputed ratio | 10.82% | numerator / denominator | |
| Filed ratio | 10.82% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.82 pp | $27.5M | 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 | 30,551 | 30,551 | 30,551 | 30,551 | 30,551 | 30,551 | RCOAP742 |
| Retained earnings | 20,533 | 20,072 | 18,501 | 18,011 | 18,184 | 17,516 | RCOAKW00 |
| Accumulated other comprehensive income | (3,739) | (4,054) | (3,590) | (4,390) | (4,989) | (5,332) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 47,345 | 46,569 | 45,462 | 44,172 | 43,746 | 42,735 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,739 | 4,054 | 3,590 | 4,390 | 4,989 | 5,332 | P859 - P840 |
| Common equity Tier 1 capital | 51,084 | 50,623 | 49,052 | 48,562 | 48,735 | 48,067 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 51,084 | 50,623 | 49,052 | 48,562 | 48,735 | 48,067 | RCOA8274 |
| Tier 2 capital | 3,216 | 3,196 | 3,119 | 2,968 | 2,839 | 3,331 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,216 | 3,196 | 3,119 | 2,968 | 2,839 | 3,331 | RCOA5310 |
| Total capital | 54,300 | 53,819 | 52,171 | 51,530 | 51,574 | 51,398 | RCOA3792 |
| Total risk-weighted assets | 324,722 | 298,371 | 293,760 | 282,516 | 278,743 | 265,620 | RCOAA223 |
| Average total assets for the leverage ratio | 472,294 | 472,616 | 466,594 | 502,285 | 499,693 | 478,188 | 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 | $19.3M | $492K | 2.55% | 0.15% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $169.0M | $50.9M | 30.10% | 15.67% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $6.6M | $1.3M | 20.00% | 0.40% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $4.6M | $2.6M | 55.07% | 0.79% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $4.0M | $6.0M | 150.00% | 1.85% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $233.0M | $232.6M | 99.86% | 71.64% | RC-R Part II, item 4.d, 5.d |
| All other assets | $18.4M | $17.7M | 96.33% | 5.44% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $5.9M | $5.9M | 99.61% | 1.82% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $7.3M | NA | 2.24% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $317.5M | ties to item 31 ($317.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $324.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $324.7M | 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 | 15.73% | 15.73% | 16.72% | 10.82% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 16.97% | 16.97% | 18.04% | 10.71% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 16.70% | 16.70% | 17.76% | 10.51% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 17.19% | 17.19% | 18.24% | 9.67% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 17.48% | 17.48% | 18.50% | 9.75% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 18.10% | 18.10% | 19.35% | 10.05% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 18.06% | 18.06% | 19.31% | 10.13% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.69% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.98% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.44% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.30% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.51% | 15.51% | 16.76% | 10.04% | 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 |
|---|---|---|---|---|---|---|
| Southwest Capital Bank (this bank) | Risk-based | 15.73% | 15.73% | 16.72% | 10.82% | |
| Woodsboro Bank | $483.3M | Risk-based | 12.21% | 12.21% | 13.46% | 8.77% |
| Ohio State Bank | $484.0M | CBLR | NA | NA | NA | 11.69% |
| Sterling Federal Bank, Federal Savings Bank | $481.6M | Risk-based | 10.61% | 10.61% | 11.80% | 7.67% |
| Rolling Hills Bank & Trust | $484.4M | CBLR | NA | NA | NA | 11.85% |
| American Eagle Bank | $484.7M | Risk-based | 9.49% | 9.49% | 9.75% | 8.53% |
| F & C Bank | $481.0M | CBLR | NA | NA | NA | 11.01% |
| Wallkill Valley Federal Savings and Loan Association | $485.0M | Risk-based | 13.55% | 13.55% | 14.77% | 9.17% |
| American Bank and Trust Company, N.A. | $480.9M | Risk-based | 14.18% | 14.18% | 15.43% | 10.06% |
| Citizens Bank and Trust Company | $480.8M | Risk-based | 13.97% | 13.97% | 14.94% | 11.93% |
| Peer 25th percentile | 11.01% | 11.01% | 12.21% | 8.77% | ||
| Peer median | 12.88% | 12.88% | 14.12% | 10.06% | ||
| Peer 75th percentile | 13.86% | 13.86% | 14.90% | 11.69% | ||
| This bank's percentile | 100 | 100 | 100 | 56 |
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/206156/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.