State Bank of the Lakes, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.37% (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: 3.37% (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 10.75% +4.25 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 | $242.4M | 242,396 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.25B | 2,254,912 | RCOAA223 |
| Recomputed ratio | 10.75% | numerator / denominator | |
| Filed ratio | 10.75% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.25 pp | $95.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.75% +2.75 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 | $242.4M | 242,396 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.25B | 2,254,912 | RCOAA223 |
| Recomputed ratio | 10.75% | numerator / denominator | |
| Filed ratio | 10.75% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.75 pp | $62.0M | capital that could be lost first |
Total risk-based capital ratio 11.37% +1.37 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 | $256.4M | 256,400 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.25B | 2,254,912 | RCOAA223 |
| Recomputed ratio | 11.37% | numerator / denominator | |
| Filed ratio | 11.37% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.37 pp | $30.9M | capital that could be lost first |
Tier 1 leverage ratio 9.05% +4.05 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 | $242.4M | 242,396 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.68B | 2,679,754 | RCOAA224 |
| Recomputed ratio | 9.05% | numerator / denominator | |
| Filed ratio | 9.05% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.05 pp | $108.4M | 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 | 111,103 | 111,052 | 111,006 | 110,909 | 110,851 | 110,791 | RCOAP742 |
| Retained earnings | 187,027 | 177,788 | 177,997 | 169,286 | 160,128 | 156,455 | RCOAKW00 |
| Accumulated other comprehensive income | (12,783) | (11,899) | (9,434) | (9,630) | (11,476) | (11,504) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 285,347 | 276,941 | 279,569 | 270,565 | 259,503 | 255,742 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (42,951) | (43,835) | (46,300) | (46,104) | (44,258) | (44,230) | P859 - P840 |
| Common equity Tier 1 capital | 242,396 | 233,106 | 233,269 | 224,461 | 215,245 | 211,512 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 242,396 | 233,106 | 233,269 | 224,461 | 215,245 | 211,512 | RCOA8274 |
| Tier 2 capital | 14,004 | 12,760 | 13,077 | 11,089 | 10,952 | 10,075 | RCOA5311 |
| Allowance includable in Tier 2 capital | 14,004 | 12,760 | 13,077 | 11,089 | 10,952 | 10,075 | RCOA5310 |
| Total capital | 256,400 | 245,866 | 246,346 | 235,550 | 226,197 | 221,587 | RCOA3792 |
| Total risk-weighted assets | 2,254,912 | 2,169,670 | 2,049,065 | 1,991,639 | 1,993,343 | 1,843,422 | RCOAA223 |
| Average total assets for the leverage ratio | 2,679,754 | 2,488,585 | 2,369,084 | 2,311,804 | 2,184,204 | 2,084,241 | 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 | $100.2M | $1.1M | 1.05% | 0.05% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $497.8M | $108.1M | 21.71% | 4.79% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $5K | $1K | 20.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $285.2M | $150.7M | 52.85% | 6.69% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $821K | $1.2M | 150.00% | 0.05% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $3.4M | $5.1M | 150.00% | 0.23% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.80B | $1.78B | 98.89% | 78.93% | RC-R Part II, item 4.d, 5.d |
| All other assets | $96.5M | $86.6M | 89.67% | 3.84% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $122.0M | $121.5M | 99.59% | 5.39% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.7M | $790K | 46.94% | 0.04% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $300 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.25B | ties to item 31 ($2.25B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.25B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.25B | 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 | 10.75% | 10.75% | 11.37% | 9.05% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.74% | 10.74% | 11.33% | 9.37% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.38% | 11.38% | 12.02% | 9.85% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.27% | 11.27% | 11.83% | 9.71% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 10.80% | 10.80% | 11.35% | 9.85% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.47% | 11.47% | 12.02% | 10.15% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.03% | 11.03% | 11.56% | 9.80% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.17% | 11.17% | 11.70% | 9.86% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.79% | 10.79% | 11.31% | 9.72% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.90% | 10.90% | 11.38% | 9.82% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.45% | 11.45% | 11.94% | 9.90% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.99% | 10.99% | 11.41% | 9.50% | 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 |
|---|---|---|---|---|---|---|
| State Bank of the Lakes, N.A. (this bank) | Risk-based | 10.75% | 10.75% | 11.37% | 9.05% | |
| Chemung Canal Trust Company, N.A. | $2.82B | Risk-based | 13.84% | 13.84% | 14.96% | 11.38% |
| Bank of New Hampshire | $2.80B | Risk-based | 13.75% | 13.75% | 15.00% | 12.08% |
| Emprise Bank | $2.82B | Risk-based | 10.22% | 10.22% | 11.43% | 7.69% |
| Orange Bank & Trust Company | $2.79B | Risk-based | 17.95% | 17.95% | 19.20% | 13.15% |
| Medallion Bank | $2.83B | Risk-based | 13.12% | 16.80% | 18.08% | 16.92% |
| Citizens and Farmers Bank | $2.79B | Risk-based | 13.54% | 13.54% | 14.79% | 11.20% |
| Habib American Bank | $2.84B | Risk-based | 12.79% | 12.79% | 14.03% | 8.49% |
| ION Bank | $2.78B | Risk-based | 15.75% | 15.75% | 16.82% | 11.91% |
| Armstrong Bank | $2.84B | Risk-based | 13.89% | 13.89% | 14.97% | 10.42% |
| Sunrise Banks, N.A. | $2.78B | CBLR | NA | NA | NA | 10.18% |
| Peer 25th percentile | 13.12% | 13.54% | 14.79% | 10.24% | ||
| Peer median | 13.75% | 13.84% | 14.97% | 11.29% | ||
| Peer 75th percentile | 13.89% | 15.75% | 16.82% | 12.04% | ||
| This bank's percentile | 11 | 11 | 0 | 20 |
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/595430/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.