Surety Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 16.93% (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: 16.93% (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 23.84% +17.34 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 | $28.6M | 28,550 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $119.8M | 119,762 | RCOAA223 |
| Recomputed ratio | 23.84% | numerator / denominator | |
| Filed ratio | 23.84% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +17.34 pp | $20.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 23.84% +15.84 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 | $28.6M | 28,550 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $119.8M | 119,762 | RCOAA223 |
| Recomputed ratio | 23.84% | numerator / denominator | |
| Filed ratio | 23.84% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +15.84 pp | $19.0M | capital that could be lost first |
Total risk-based capital ratio 24.93% +14.93 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 | $29.9M | 29,859 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $119.8M | 119,762 | RCOAA223 |
| Recomputed ratio | 24.93% | numerator / denominator | |
| Filed ratio | 24.93% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +14.93 pp | $17.9M | capital that could be lost first |
Tier 1 leverage ratio 13.24% +8.24 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 | $28.6M | 28,550 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $215.7M | 215,687 | RCOAA224 |
| Recomputed ratio | 13.24% | numerator / denominator | |
| Filed ratio | 13.24% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.24 pp | $17.8M | 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 | 6,992 | 6,992 | 6,992 | 6,992 | 6,992 | 6,992 | RCOAP742 |
| Retained earnings | 21,558 | 20,871 | 20,603 | 20,158 | 19,345 | 18,701 | RCOAKW00 |
| Accumulated other comprehensive income | (4,717) | (5,735) | (5,167) | (5,792) | (7,018) | (6,197) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 23,833 | 22,128 | 22,428 | 21,358 | 19,319 | 19,496 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,717 | 5,735 | 5,167 | 5,792 | 7,018 | 6,197 | P859 - P840 |
| Common equity Tier 1 capital | 28,550 | 27,863 | 27,595 | 27,150 | 26,337 | 25,693 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 28,550 | 27,863 | 27,595 | 27,150 | 26,337 | 25,693 | RCOA8274 |
| Tier 2 capital | 1,309 | 1,178 | 1,112 | 1,112 | 1,111 | 1,110 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,309 | 1,178 | 1,112 | 1,112 | 1,111 | 1,110 | RCOA5310 |
| Total capital | 29,859 | 29,041 | 28,707 | 28,262 | 27,448 | 26,803 | RCOA3792 |
| Total risk-weighted assets | 119,762 | 117,790 | 108,390 | 100,352 | 103,660 | 99,103 | RCOAA223 |
| Average total assets for the leverage ratio | 215,687 | 215,546 | 197,815 | 200,087 | 197,041 | 193,401 | 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 | $70.4M | $0 | 0.00% | 0.00% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $36.8M | $12.0M | 32.63% | 10.02% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $11.9M | $6.5M | 54.42% | 5.39% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $218K | $327K | 150.00% | 0.27% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $90.6M | $90.6M | 100.00% | 75.62% | RC-R Part II, item 4.d, 5.d |
| All other assets | $9.9M | $9.8M | 99.21% | 8.21% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $578K | $578K | 100.00% | 0.48% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $100 | 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 | $119.8M | ties to item 31 ($119.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $119.8M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $119.8M | 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 | 23.84% | 23.84% | 24.93% | 13.24% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 23.65% | 23.65% | 24.65% | 12.93% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 25.46% | 25.46% | 26.48% | 13.95% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 27.05% | 27.05% | 28.16% | 13.57% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 25.41% | 25.41% | 26.48% | 13.37% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 25.93% | 25.93% | 27.05% | 13.28% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 27.88% | 27.88% | 29.10% | 12.66% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 24.45% | 24.45% | 25.53% | 12.48% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 25.62% | 25.62% | 26.77% | 11.96% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 23.88% | 23.88% | 24.93% | 11.76% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 23.72% | 23.72% | 24.78% | 12.12% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 24.90% | 24.90% | 25.99% | 11.86% | 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 |
|---|---|---|---|---|---|---|
| Surety Bank (this bank) | Risk-based | 23.84% | 23.84% | 24.93% | 13.24% | |
| Tricentury Bank | $213.8M | CBLR | NA | NA | NA | 10.76% |
| The Farmers and Merchants Bank | $213.4M | Risk-based | 12.87% | 12.87% | 14.04% | 9.12% |
| Aroostook County Federal Savings & Loan Association | $214.0M | Risk-based | 16.04% | 16.04% | 16.69% | 10.39% |
| Iowa State Bank | $213.3M | CBLR | NA | NA | NA | 11.53% |
| American Bank of the Carolinas | $214.0M | CBLR | NA | NA | NA | 12.27% |
| Producers Bank & Trust | $213.2M | CBLR | NA | NA | NA | 22.09% |
| Burling Bank | $214.2M | CBLR | NA | NA | NA | 13.65% |
| Farmers Savings Bank & Trust | $212.7M | Risk-based | 18.51% | 18.51% | 19.09% | 10.25% |
| The Perryton National Bank | $212.7M | CBLR | NA | NA | NA | 16.40% |
| First State Bank of Odem | $212.6M | CBLR | NA | NA | NA | 14.39% |
| Peer 25th percentile | 14.46% | 14.46% | 15.37% | 10.49% | ||
| Peer median | 16.04% | 16.04% | 16.69% | 11.90% | ||
| Peer 75th percentile | 17.27% | 17.27% | 17.89% | 14.20% | ||
| This bank's percentile | 100 | 100 | 100 | 60 |
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/374774/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.