Stride Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 11.84% (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: 11.84% (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 18.76% +12.26 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 | $393.6M | 393,632 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.10B | 2,097,826 | RCOAA223 |
| Recomputed ratio | 18.76% | numerator / denominator | |
| Filed ratio | 18.76% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +12.26 pp | $257.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 18.76% +10.76 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 | $393.6M | 393,632 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.10B | 2,097,826 | RCOAA223 |
| Recomputed ratio | 18.76% | numerator / denominator | |
| Filed ratio | 18.76% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +10.76 pp | $225.8M | capital that could be lost first |
Total risk-based capital ratio 19.84% +9.84 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 | $416.3M | 416,281 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.10B | 2,097,826 | RCOAA223 |
| Recomputed ratio | 19.84% | numerator / denominator | |
| Filed ratio | 19.84% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +9.84 pp | $206.5M | capital that could be lost first |
Tier 1 leverage ratio 8.37% +3.37 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 | $393.6M | 393,632 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $4.70B | 4,701,630 | RCOAA224 |
| Recomputed ratio | 8.37% | numerator / denominator | |
| Filed ratio | 8.37% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.37 pp | $158.5M | 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 | 113,430 | 113,430 | 113,430 | 113,430 | 113,430 | 113,430 | RCOAP742 |
| Retained earnings | 281,371 | 263,654 | 245,316 | 230,280 | 217,337 | 204,238 | RCOAKW00 |
| Accumulated other comprehensive income | (1,506) | (1,216) | (1,056) | (1,185) | (2,011) | (2,456) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 393,295 | 375,868 | 357,690 | 342,525 | 328,756 | 315,212 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 337 | 47 | (114) | 15 | 841 | 1,286 | P859 - P840 |
| Common equity Tier 1 capital | 393,632 | 375,915 | 357,576 | 342,540 | 329,597 | 316,498 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 393,632 | 375,915 | 357,576 | 342,540 | 329,597 | 316,498 | RCOA8274 |
| Tier 2 capital | 22,649 | 22,659 | 22,236 | 21,085 | 20,824 | 19,131 | RCOA5311 |
| Allowance includable in Tier 2 capital | 22,649 | 22,659 | 22,236 | 21,085 | 20,824 | 19,131 | RCOA5310 |
| Total capital | 416,281 | 398,574 | 379,812 | 363,625 | 350,421 | 335,629 | RCOA3792 |
| Total risk-weighted assets | 2,097,826 | 2,011,806 | 2,036,275 | 1,772,853 | 1,712,978 | 1,677,915 | RCOAA223 |
| Average total assets for the leverage ratio | 4,701,630 | 4,611,637 | 3,722,706 | 3,405,855 | 3,547,163 | 3,762,714 | 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 | $303.0M | $52.2M | 17.21% | 2.49% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $64.0M | $10.2M | 16.00% | 0.49% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $561.5M | $281.2M | 50.07% | 13.40% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $59.2M | $88.9M | 150.00% | 4.24% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $22.0M | $33.0M | 150.00% | 1.57% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $4.37B | $1.45B | 33.25% | 69.21% | RC-R Part II, item 4.d, 5.d |
| All other assets | $63.4M | $55.8M | 88.02% | 2.66% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $103.4M | $114.0M | 110.22% | 5.43% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $10.8M | NA | 0.51% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.09B | ties to item 31 ($2.09B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.10B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.10B | 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 | 18.76% | 18.76% | 19.84% | 8.37% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 18.69% | 18.69% | 19.81% | 8.15% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 17.56% | 17.56% | 18.65% | 9.61% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 19.32% | 19.32% | 20.51% | 10.06% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 19.24% | 19.24% | 20.46% | 9.29% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 18.86% | 18.86% | 20.00% | 8.41% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 18.27% | 18.27% | 19.37% | 8.64% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 18.49% | 18.49% | 19.56% | 8.40% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 18.18% | 18.18% | 19.38% | 7.64% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 18.08% | 18.08% | 19.20% | 7.27% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 15.76% | 15.76% | 16.80% | 7.21% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 16.92% | 16.92% | 17.96% | 7.78% | 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 |
|---|---|---|---|---|---|---|
| Stride Bank, N.A. (this bank) | Risk-based | 18.76% | 18.76% | 19.84% | 8.37% | |
| Broadway National Bank | $5.42B | Risk-based | 16.72% | 16.72% | 17.73% | 10.93% |
| The Canandaigua National Bank and Trust Company | $5.41B | Risk-based | 12.34% | 12.34% | 13.38% | 9.01% |
| Peoples Security Bank and Trust Company | $5.43B | Risk-based | 12.75% | 12.75% | 13.74% | 10.46% |
| Green Dot Bank | $5.44B | Risk-based | 31.97% | 31.97% | 32.43% | 8.59% |
| City Bank | $5.39B | Risk-based | 13.39% | 13.39% | 14.50% | 10.79% |
| Coastal Community Bank | $5.45B | Risk-based | 10.97% | 10.97% | 12.27% | 9.13% |
| Bridgewater Bank | $5.38B | Risk-based | 12.73% | 12.73% | 13.98% | 11.65% |
| Five Star Bank | $5.38B | Risk-based | 11.11% | 11.11% | 12.12% | 10.25% |
| Morton Community Bank | $5.35B | Risk-based | 13.59% | 13.59% | 14.59% | 10.62% |
| Celtic Bank Corporation | $5.33B | CBLR | NA | NA | NA | 18.04% |
| Peer 25th percentile | 12.34% | 12.34% | 13.38% | 9.41% | ||
| Peer median | 12.75% | 12.75% | 13.98% | 10.54% | ||
| Peer 75th percentile | 13.59% | 13.59% | 14.59% | 10.89% | ||
| This bank's percentile | 89 | 89 | 89 | 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/278555/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.