Sunwest Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.66% (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: 3.66% (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 10.40% +3.90 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 | $416.6M | 416,550 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.00B | 4,004,468 | RCOAA223 |
| Recomputed ratio | 10.40% | numerator / denominator | |
| Filed ratio | 10.40% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.90 pp | $156.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.40% +2.40 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 | $416.6M | 416,550 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.00B | 4,004,468 | RCOAA223 |
| Recomputed ratio | 10.40% | numerator / denominator | |
| Filed ratio | 10.40% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.40 pp | $96.2M | capital that could be lost first |
Total risk-based capital ratio 11.66% +1.66 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 | $466.8M | 466,770 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.00B | 4,004,468 | RCOAA223 |
| Recomputed ratio | 11.66% | numerator / denominator | |
| Filed ratio | 11.66% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.66 pp | $66.3M | capital that could be lost first |
Tier 1 leverage ratio 9.71% +4.71 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 | $416.6M | 416,550 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $4.29B | 4,290,005 | RCOAA224 |
| Recomputed ratio | 9.71% | numerator / denominator | |
| Filed ratio | 9.71% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.71 pp | $202.1M | 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 | 38,688 | 38,373 | 36,759 | 37,274 | 36,839 | 36,800 | RCOAP742 |
| Retained earnings | 377,887 | 361,013 | 345,489 | 328,935 | 313,381 | 298,676 | RCOAKW00 |
| Accumulated other comprehensive income | (4,568) | (3,221) | 15 | (1,716) | (3,846) | (6,088) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 412,007 | 396,165 | 382,263 | 364,493 | 346,374 | 329,388 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,543 | 3,196 | (40) | 1,691 | 3,817 | 6,059 | P859 - P840 |
| Common equity Tier 1 capital | 416,550 | 399,361 | 382,223 | 366,184 | 350,191 | 335,447 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 416,550 | 399,361 | 382,223 | 366,184 | 350,191 | 335,447 | RCOA8274 |
| Tier 2 capital | 50,220 | 49,533 | 47,359 | 44,042 | 43,766 | 42,312 | RCOA5311 |
| Allowance includable in Tier 2 capital | 50,220 | 49,533 | 47,359 | 44,042 | 43,766 | 42,312 | RCOA5310 |
| Total capital | 466,770 | 448,894 | 429,582 | 410,226 | 393,957 | 377,759 | RCOA3792 |
| Total risk-weighted assets | 4,004,468 | 3,950,050 | 3,776,236 | 3,512,351 | 3,490,053 | 3,374,974 | RCOAA223 |
| Average total assets for the leverage ratio | 4,290,005 | 4,088,664 | 3,841,701 | 3,734,829 | 3,640,525 | 3,543,427 | 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 | $125.3M | $10.5M | 8.41% | 0.26% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $635.3M | $94.1M | 14.81% | 2.34% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $77.3M | $38.9M | 50.35% | 0.97% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $21.3M | $31.9M | 150.00% | 0.79% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $3.42B | $3.35B | 97.82% | 83.31% | RC-R Part II, item 4.d, 5.d |
| All other assets | $196.5M | $173.9M | 88.53% | 4.33% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $323.8M | $319.3M | 98.62% | 7.95% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $9.2M | $2.0M | 21.79% | 0.05% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | -$400 | 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 | $4.02B | ties to item 31 ($4.02B) |
|---|---|---|
| Risk-weighted assets before deductions | $4.02B | RCONB704 |
| Less: excess allowance for credit losses | $13.1M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $4.00B | 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 | 10.40% | 10.40% | 11.66% | 9.71% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.11% | 10.11% | 11.36% | 9.77% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.12% | 10.12% | 11.38% | 9.95% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 10.43% | 10.43% | 11.68% | 9.80% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 10.03% | 10.03% | 11.29% | 9.62% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 9.94% | 9.94% | 11.19% | 9.47% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 9.57% | 9.57% | 10.82% | 9.38% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 9.62% | 9.62% | 10.87% | 9.04% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 9.60% | 9.60% | 10.85% | 8.99% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 9.81% | 9.81% | 11.07% | 9.12% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.55% | 10.55% | 11.81% | 9.35% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.69% | 10.69% | 11.95% | 9.48% | 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 |
|---|---|---|---|---|---|---|
| Sunwest Bank (this bank) | Risk-based | 10.40% | 10.40% | 11.66% | 9.71% | |
| First Business Bank | $4.41B | Risk-based | 11.17% | 11.17% | 12.18% | 10.37% |
| American Business Bank | $4.42B | Risk-based | 12.35% | 12.35% | 13.24% | 11.01% |
| HomeTrust Bank | $4.44B | Risk-based | 13.74% | 13.74% | 14.84% | 12.91% |
| Capital City Bank | $4.45B | Risk-based | 18.18% | 18.18% | 19.43% | 10.29% |
| ChoiceOne Bank | $4.45B | Risk-based | 11.81% | 11.81% | 12.92% | 9.30% |
| Arrow Bank N.A. | $4.46B | Risk-based | 12.71% | 12.71% | 13.87% | 9.33% |
| Metro City Bank | $4.47B | Risk-based | 17.14% | 17.14% | 18.04% | 11.08% |
| Texas Bank and Trust Company | $4.34B | Risk-based | 15.85% | 15.85% | 17.10% | 13.10% |
| Primis Bank | $4.34B | Risk-based | 10.63% | 10.63% | 11.88% | 9.51% |
| First Federal Bank | $4.49B | Risk-based | 20.56% | 20.56% | 21.06% | 10.83% |
| Peer 25th percentile | 11.94% | 11.94% | 13.00% | 9.70% | ||
| Peer median | 13.22% | 13.23% | 14.35% | 10.60% | ||
| Peer 75th percentile | 16.82% | 16.82% | 17.81% | 11.06% | ||
| This bank's percentile | 0 | 0 | 0 | 30 |
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/140362/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.