STRYV Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 2.94% (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: 2.94% (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 9.96% +3.46 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 | $29.2M | 29,157 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $292.9M | 292,887 | RCOAA223 |
| Recomputed ratio | 9.96% | numerator / denominator | |
| Filed ratio | 9.96% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.46 pp | $10.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 9.96% +1.96 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 | $29.2M | 29,157 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $292.9M | 292,887 | RCOAA223 |
| Recomputed ratio | 9.96% | numerator / denominator | |
| Filed ratio | 9.96% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +1.96 pp | $5.7M | capital that could be lost first |
Total risk-based capital ratio 10.94% +0.94 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 | $32.0M | 32,038 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $292.9M | 292,887 | RCOAA223 |
| Recomputed ratio | 10.94% | numerator / denominator | |
| Filed ratio | 10.94% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +0.94 pp | $2.7M | capital that could be lost first |
Tier 1 leverage ratio 8.91% +3.91 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 | $29.2M | 29,157 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $327.4M | 327,377 | RCOAA224 |
| Recomputed ratio | 8.91% | numerator / denominator | |
| Filed ratio | 8.91% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.91 pp | $12.8M | 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 | 16,749 | 16,749 | 13,549 | 13,549 | 13,549 | 13,549 | RCOAP742 |
| Retained earnings | 12,408 | 12,124 | 11,334 | 10,808 | 10,366 | 10,290 | RCOAKW00 |
| Accumulated other comprehensive income | (474) | (635) | (419) | (699) | (1,079) | (991) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 28,683 | 28,238 | 24,464 | 23,658 | 22,836 | 22,848 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 474 | 635 | 419 | 699 | 1,079 | 991 | P859 - P840 |
| Common equity Tier 1 capital | 29,157 | 28,873 | 24,883 | 24,357 | 23,915 | 23,839 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 29,157 | 28,873 | 24,883 | 24,357 | 23,915 | 23,839 | RCOA8274 |
| Tier 2 capital | 2,881 | 2,721 | 2,571 | 2,387 | 2,252 | 2,147 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,881 | 2,721 | 2,571 | 2,387 | 2,252 | 2,147 | RCOA5310 |
| Total capital | 32,038 | 31,594 | 27,454 | 26,744 | 26,167 | 25,986 | RCOA3792 |
| Total risk-weighted assets | 292,887 | 276,264 | 253,464 | 243,566 | 224,480 | 213,442 | RCOAA223 |
| Average total assets for the leverage ratio | 327,377 | 298,550 | 283,189 | 268,125 | 255,257 | 240,784 | 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 | $8.5M | $1.6M | 18.92% | 0.55% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $16.1M | $5.7M | 35.47% | 1.95% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $10.0M | $2.0M | 20.00% | 0.68% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $73.3M | $41.7M | 56.91% | 14.24% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $215.1M | $215.1M | 100.00% | 73.46% | RC-R Part II, item 4.d, 5.d |
| All other assets | $13.5M | $12.7M | 93.92% | 4.34% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $14.0M | $14.0M | 100.00% | 4.78% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $200 | 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 | $292.9M | ties to item 31 ($292.9M) |
|---|---|---|
| Risk-weighted assets before deductions | $292.9M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $292.9M | 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 | 9.96% | 9.96% | 10.94% | 8.91% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 10.45% | 10.45% | 11.44% | 9.67% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 9.82% | 9.82% | 10.83% | 8.79% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.00% | 10.00% | 10.98% | 9.08% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.65% | 10.65% | 11.66% | 9.37% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.17% | 11.17% | 12.17% | 9.90% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.97% | 10.97% | 11.91% | 9.88% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.67% | 10.67% | 11.57% | 9.70% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.36% | 10.36% | 11.21% | 9.80% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 10.48% | 10.48% | 11.22% | 10.25% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.31% | 11.31% | 12.13% | 10.64% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.58% | 11.58% | 12.39% | 10.78% | 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 |
|---|---|---|---|---|---|---|
| STRYV Bank (this bank) | Risk-based | 9.96% | 9.96% | 10.94% | 8.91% | |
| Global One Bank | $333.2M | Risk-based | 18.38% | 18.38% | 19.63% | 14.47% |
| The Millyard Bank | $333.2M | CBLR | NA | NA | NA | 9.70% |
| Bank of Newington | $333.8M | Risk-based | 11.35% | 11.35% | 12.61% | 9.07% |
| Stock Growers Bank | $332.9M | CBLR | NA | NA | NA | 11.56% |
| The Havana National Bank | $332.8M | CBLR | NA | NA | NA | 12.17% |
| Community State Bank of Missouri | $333.9M | CBLR | NA | NA | NA | 11.02% |
| Ultima Bank Minnesota | $333.9M | CBLR | NA | NA | NA | 10.83% |
| Bank of Commerce | $334.0M | CBLR | NA | NA | NA | 10.54% |
| Franklin Bank | $334.1M | Risk-based | 17.38% | 17.38% | 18.26% | 10.28% |
| O'Bannon Banking Company | $332.6M | CBLR | NA | NA | NA | 9.36% |
| Peer 25th percentile | 14.37% | 14.37% | 15.44% | 9.85% | ||
| Peer median | 17.38% | 17.38% | 18.26% | 10.69% | ||
| Peer 75th percentile | 17.88% | 17.88% | 18.95% | 11.42% | ||
| This bank's percentile | 0 | 0 | 0 | 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/372855/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.