Talbot State Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.61% (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: 9.61% (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 16.79% +10.29 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 | $4.1M | 4,062 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $24.2M | 24,190 | RCOAA223 |
| Recomputed ratio | 16.79% | numerator / denominator | |
| Filed ratio | 16.79% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.29 pp | $2.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.79% +8.79 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 | $4.1M | 4,062 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $24.2M | 24,190 | RCOAA223 |
| Recomputed ratio | 16.79% | numerator / denominator | |
| Filed ratio | 16.79% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.79 pp | $2.1M | capital that could be lost first |
Total risk-based capital ratio 17.61% +7.61 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 | $4.3M | 4,259 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $24.2M | 24,190 | RCOAA223 |
| Recomputed ratio | 17.61% | numerator / denominator | |
| Filed ratio | 17.61% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.61 pp | $1.8M | capital that could be lost first |
Tier 1 leverage ratio 7.78% +2.78 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 | $4.1M | 4,062 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $52.2M | 52,242 | RCOAA224 |
| Recomputed ratio | 7.78% | numerator / denominator | |
| Filed ratio | 7.78% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +2.78 pp | $1.4M | 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 | 7,257 | 7,257 | 7,257 | 7,256 | 7,257 | 7,257 | RCOAP742 |
| Retained earnings | (3,195) | (3,120) | (2,972) | (2,820) | (2,674) | (2,473) | RCOAKW00 |
| Accumulated other comprehensive income | (1,752) | (1,824) | (1,696) | (1,853) | (2,251) | (2,179) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 2,310 | 2,313 | 2,589 | 2,583 | 2,332 | 2,605 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,752 | 1,824 | 1,696 | 1,853 | 2,251 | 2,179 | P859 - P840 |
| Common equity Tier 1 capital | 4,062 | 4,137 | 4,285 | 4,436 | 4,583 | 4,784 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 4,062 | 4,137 | 4,285 | 4,436 | 4,583 | 4,784 | RCOA8274 |
| Tier 2 capital | 197 | 197 | 197 | 198 | 199 | 198 | RCOA5311 |
| Allowance includable in Tier 2 capital | 197 | 197 | 197 | 198 | 199 | 198 | RCOA5310 |
| Total capital | 4,259 | 4,334 | 4,482 | 4,634 | 4,782 | 4,982 | RCOA3792 |
| Total risk-weighted assets | 24,190 | 23,444 | 23,836 | 23,950 | 23,937 | 24,055 | RCOAA223 |
| Average total assets for the leverage ratio | 52,242 | 52,178 | 51,148 | 51,633 | 51,958 | 52,558 | 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 | $4.3M | $753K | 17.34% | 3.11% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $14.8M | $2.6M | 17.41% | 10.68% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $28.2M | $14.8M | 52.63% | 61.32% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $32K | $48K | 150.00% | 0.20% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $4.8M | $4.8M | 100.00% | 19.70% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.4M | $1.2M | 83.28% | 4.99% | RC-R Part II, item 8 |
| Market risk and other approaches | NA | $300 | 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 | $24.2M | ties to item 31 ($24.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $24.2M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $24.2M | 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 | 16.79% | 16.79% | 17.61% | 7.78% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | Risk-based | 17.65% | 17.65% | 18.49% | 7.93% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | Risk-based | 17.98% | 17.98% | 18.80% | 8.38% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | Risk-based | 18.52% | 18.52% | 19.35% | 8.59% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | Risk-based | 19.15% | 19.15% | 19.98% | 8.82% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | Risk-based | 19.89% | 19.89% | 20.71% | 9.10% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | Risk-based | 21.12% | 21.12% | 21.96% | 9.80% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | Risk-based | 21.80% | 21.80% | 22.64% | 9.36% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | Risk-based | 21.91% | 21.91% | 22.72% | 9.33% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | 22.35% | 22.35% | 23.15% | 9.70% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | 22.62% | 22.62% | 23.41% | 10.30% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | Risk-based | 23.95% | 23.95% | 24.77% | 10.45% | 20.70% | 20.70% | 21.86% | 12.73% |
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 |
|---|---|---|---|---|---|---|
| Talbot State Bank (this bank) | Risk-based | 16.79% | 16.79% | 17.61% | 7.78% | |
| The Mer Rouge State Bank | $51.8M | CBLR | NA | NA | NA | 12.61% |
| Rolette State Bank | $51.5M | CBLR | NA | NA | NA | 9.87% |
| Richton Bank & Trust Company | $52.0M | CBLR | NA | NA | NA | 16.19% |
| Farmers & Merchants Bank of Hutsonville | $52.0M | CBLR | NA | NA | NA | 18.48% |
| The Merchants & Planters Bank | $51.3M | CBLR | NA | NA | NA | 11.30% |
| Brighton Bank | $51.3M | Risk-based | 26.08% | 26.08% | 27.35% | 10.11% |
| FMB Bank | $51.2M | Risk-based | 14.55% | 14.55% | 15.10% | 7.49% |
| Echelon Bank | $52.2M | Risk-based | 176.30% | 176.30% | 176.57% | 67.36% |
| The State Exchange Bank | $50.9M | CBLR | NA | NA | NA | 12.25% |
| Rayne Building & Loan Association | $50.8M | CBLR | NA | NA | NA | 29.06% |
| Peer 25th percentile | 20.32% | 20.32% | 21.23% | 10.41% | ||
| Peer median | 26.08% | 26.08% | 27.35% | 12.43% | ||
| Peer 75th percentile | 101.19% | 101.19% | 101.96% | 17.91% | ||
| This bank's percentile | 33 | 33 | 33 | 10 |
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/577230/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.