Stearns Bank N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.52% (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: 9.52% (RCFAH311).
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 15.39% +8.89 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 | $464.8M | 464,797 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.02B | 3,020,249 | RCFAA223 |
| Recomputed ratio | 15.39% | numerator / denominator | |
| Filed ratio | 15.39% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.89 pp | $268.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.25% +8.25 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 | $490.7M | 490,746 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.02B | 3,020,249 | RCFAA223 |
| Recomputed ratio | 16.25% | numerator / denominator | |
| Filed ratio | 16.25% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.25 pp | $249.1M | capital that could be lost first |
Total risk-based capital ratio 17.52% +7.52 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 | $529.1M | 529,067 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.02B | 3,020,249 | RCFAA223 |
| Recomputed ratio | 17.52% | numerator / denominator | |
| Filed ratio | 17.52% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.52 pp | $227.0M | capital that could be lost first |
Tier 1 leverage ratio 15.42% +10.42 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 | $490.7M | 490,746 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.18B | 3,182,853 | RCFAA224 |
| Recomputed ratio | 15.42% | numerator / denominator | |
| Filed ratio | 15.42% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +10.42 pp | $331.6M | 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 | 6,084 | 6,084 | 6,084 | 6,084 | 6,084 | 6,084 | RCFAP742 |
| Retained earnings | 529,992 | 524,435 | 553,306 | 531,775 | 514,476 | 512,344 | RCFAKW00 |
| Accumulated other comprehensive income | (1,444) | (919) | (118) | (1,441) | (3,151) | (2,962) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 534,632 | 529,600 | 559,272 | 536,418 | 517,409 | 515,466 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | (69,835) | (69,627) | (70,694) | (68,453) | (66,999) | (21,933) | P859 - P840 |
| Common equity Tier 1 capital | 464,797 | 459,973 | 488,578 | 467,965 | 450,410 | 493,533 | RCFAP859 |
| Additional Tier 1 capital | 25,949 | 27,204 | 29,084 | 27,407 | 26,216 | 5,677 | RCFAP865 |
| Tier 1 capital | 490,746 | 487,177 | 517,662 | 495,372 | 476,626 | 499,210 | RCFA8274 |
| Tier 2 capital | 38,321 | 39,061 | 40,228 | 40,581 | 42,671 | 39,330 | RCFA5311 |
| Allowance includable in Tier 2 capital | 38,321 | 39,061 | 40,228 | 40,581 | 42,671 | 39,330 | RCFA5310 |
| Total capital | 529,067 | 526,238 | 557,890 | 535,953 | 519,297 | 538,540 | RCFA3792 |
| Total risk-weighted assets | 3,020,249 | 3,079,608 | 3,176,620 | 3,198,440 | 3,364,045 | 3,101,113 | RCFAA223 |
| Average total assets for the leverage ratio | 3,182,853 | 3,223,174 | 3,279,194 | 3,357,323 | 3,376,113 | 3,093,340 | RCFAA224 |
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 | $226.4M | $6.8M | 3.00% | 0.22% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $121.3M | $23.7M | 19.51% | 0.77% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $127.0M | $73.7M | 58.04% | 2.41% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $21.2M | $31.8M | 150.00% | 1.04% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $71.6M | $95.3M | 133.14% | 3.11% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.60B | $2.54B | 97.56% | 82.76% | RC-R Part II, item 4.d, 5.d |
| All other assets | $118.7M | $109.3M | 92.10% | 3.57% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $167.4M | $167.4M | 100.00% | 5.46% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $20.6M | NA | 0.67% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $3.05B | does not tie to item 31 ($3.07B) |
|---|---|---|
| Risk-weighted assets before deductions | $3.07B | RCFDB704 |
| Less: excess allowance for credit losses | $45.4M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $3.02B | RCFDG641, 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 | 15.39% | 16.25% | 17.52% | 15.42% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 14.94% | 15.82% | 17.09% | 15.11% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 15.38% | 16.30% | 17.56% | 15.79% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 14.63% | 15.49% | 16.76% | 14.76% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.39% | 14.17% | 15.44% | 14.12% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 15.91% | 16.10% | 17.37% | 16.14% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 17.48% | 17.66% | 18.93% | 17.23% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 16.76% | 16.95% | 18.22% | 17.02% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 17.21% | 17.40% | 18.66% | 16.80% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 19.08% | 19.26% | 20.53% | 19.01% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 19.61% | 19.78% | 21.05% | 19.14% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 21.25% | 21.41% | 22.68% | 19.69% | 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 |
|---|---|---|---|---|---|---|
| Stearns Bank N.A. (this bank) | Risk-based | 15.39% | 16.25% | 17.52% | 15.42% | |
| WestStar Bank | $3.28B | Risk-based | 13.13% | 13.13% | 14.07% | 12.27% |
| Lone Star National Bank | $3.28B | Risk-based | 20.01% | 20.01% | 21.09% | 12.87% |
| OakStar Bank | $3.29B | CBLR | NA | NA | NA | 9.79% |
| Bristol County Savings Bank | $3.26B | Risk-based | 17.84% | 17.84% | 18.94% | 14.40% |
| Georgia Banking Company | $3.26B | Risk-based | 11.83% | 11.83% | 13.05% | 10.78% |
| Fidelity Bank, N.A. | $3.30B | Risk-based | 10.97% | 10.97% | 12.16% | 9.99% |
| Union Savings Bank | $3.30B | CBLR | NA | NA | NA | 11.48% |
| ACNB Bank | $3.30B | Risk-based | 14.30% | 14.30% | 15.28% | 11.25% |
| BankFirst Financial Services | $3.31B | CBLR | NA | NA | NA | 10.86% |
| Red River Bank | $3.31B | Risk-based | 17.32% | 17.32% | 18.37% | 12.49% |
| Peer 25th percentile | 12.48% | 12.48% | 13.56% | 10.80% | ||
| Peer median | 14.30% | 14.30% | 15.28% | 11.36% | ||
| Peer 75th percentile | 17.58% | 17.58% | 18.66% | 12.44% | ||
| This bank's percentile | 57 | 57 | 57 | 100 |
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/141556/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.