Susser Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.90% (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: 4.90% (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 11.65% +5.15 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 | $280.7M | 280,664 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.41B | 2,409,635 | RCOAA223 |
| Recomputed ratio | 11.65% | numerator / denominator | |
| Filed ratio | 11.65% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.15 pp | $124.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.65% +3.65 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 | $280.7M | 280,664 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.41B | 2,409,635 | RCOAA223 |
| Recomputed ratio | 11.65% | numerator / denominator | |
| Filed ratio | 11.65% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.65 pp | $87.9M | capital that could be lost first |
Total risk-based capital ratio 12.90% +2.90 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 | $310.8M | 310,812 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.41B | 2,409,635 | RCOAA223 |
| Recomputed ratio | 12.90% | numerator / denominator | |
| Filed ratio | 12.90% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.90 pp | $69.8M | capital that could be lost first |
Tier 1 leverage ratio 10.10% +5.10 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 | $280.7M | 280,664 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.78B | 2,778,926 | RCOAA224 |
| Recomputed ratio | 10.10% | numerator / denominator | |
| Filed ratio | 10.10% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.10 pp | $141.7M | 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 | 198,027 | 197,131 | 196,414 | 195,351 | 194,322 | 193,274 | RCOAP742 |
| Retained earnings | 111,376 | 105,073 | 98,029 | 91,064 | 82,232 | 78,783 | RCOAKW00 |
| Accumulated other comprehensive income | (2,703) | (2,548) | (2,334) | (2,733) | (3,113) | (3,855) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 306,700 | 299,656 | 292,109 | 283,682 | 273,441 | 268,202 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (26,036) | (26,322) | (26,665) | (26,396) | (26,147) | (25,509) | P859 - P840 |
| Common equity Tier 1 capital | 280,664 | 273,334 | 265,444 | 257,286 | 247,294 | 242,693 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 280,664 | 273,334 | 265,444 | 257,286 | 247,294 | 242,693 | RCOA8274 |
| Tier 2 capital | 30,148 | 28,343 | 28,422 | 27,558 | 27,314 | 26,825 | RCOA5311 |
| Allowance includable in Tier 2 capital | 30,148 | 28,343 | 28,422 | 27,558 | 27,314 | 26,825 | RCOA5310 |
| Total capital | 310,812 | 301,677 | 293,866 | 284,844 | 274,608 | 269,518 | RCOA3792 |
| Total risk-weighted assets | 2,409,635 | 2,266,182 | 2,276,236 | 2,204,087 | 2,194,800 | 2,179,158 | RCOAA223 |
| Average total assets for the leverage ratio | 2,778,926 | 2,811,563 | 2,828,756 | 2,608,234 | 2,524,975 | 2,483,523 | 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 | $609.5M | $6.5M | 1.07% | 0.27% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $103.7M | $10.1M | 9.79% | 0.42% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $146K | $29K | 20.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $395.2M | $213.0M | 53.90% | 8.83% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $8.0M | $12.0M | 150.00% | 0.50% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $7.4M | $11.2M | 150.00% | 0.46% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.81B | $1.79B | 99.01% | 74.12% | RC-R Part II, item 4.d, 5.d |
| All other assets | $65.1M | $56.5M | 86.66% | 2.34% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $357.2M | $313.3M | 87.71% | 12.99% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.7M | $1.5M | 85.68% | 0.06% | RC-R Part II, item 20, 21 |
| 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 | $2.41B | ties to item 31 ($2.41B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.41B | RCONB704 |
| Less: excess allowance for credit losses | $2.2M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.41B | 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 | 11.65% | 11.65% | 12.90% | 10.10% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.06% | 12.06% | 13.31% | 9.72% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.66% | 11.66% | 12.91% | 9.38% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.67% | 11.67% | 12.92% | 9.86% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.27% | 11.27% | 12.51% | 9.79% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.14% | 11.14% | 12.37% | 9.77% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.18% | 11.18% | 12.39% | 9.73% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.44% | 11.44% | 12.66% | 9.85% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.11% | 11.11% | 12.20% | 10.46% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.36% | 11.36% | 12.45% | 9.81% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.24% | 11.24% | 12.33% | 9.57% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.50% | 10.50% | 11.57% | 9.10% | 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 |
|---|---|---|---|---|---|---|
| Susser Bank (this bank) | Risk-based | 11.65% | 11.65% | 12.90% | 10.10% | |
| Maine Community Bank | $2.98B | CBLR | NA | NA | NA | 10.11% |
| Nelnet Bank | $3.00B | CBLR | NA | NA | NA | 15.94% |
| Northwest Bank | $3.00B | Risk-based | 11.19% | 11.19% | 12.44% | 10.12% |
| First Fidelity Bank | $2.98B | CBLR | NA | NA | NA | 10.22% |
| Fidelity Bank | $2.97B | Risk-based | 13.16% | 13.16% | 14.28% | 9.50% |
| Southern Bancorp Bank | $3.01B | CBLR | NA | NA | NA | 11.85% |
| U.S. Century Bank | $3.02B | Risk-based | 12.48% | 12.48% | 13.68% | 9.97% |
| TIB, N.A. | $2.96B | Risk-based | 20.49% | 20.49% | 21.75% | 13.22% |
| The Bank of Tampa | $3.02B | Risk-based | 14.52% | 14.52% | 15.77% | 10.97% |
| Texas Regional Bank | $2.95B | Risk-based | 12.06% | 12.06% | 13.08% | 8.77% |
| Peer 25th percentile | 12.16% | 12.16% | 13.23% | 10.01% | ||
| Peer median | 12.82% | 12.82% | 13.98% | 10.17% | ||
| Peer 75th percentile | 14.18% | 14.18% | 15.40% | 11.63% | ||
| This bank's percentile | 17 | 17 | 17 | 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/965789/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.