The Cooperative Bank: Regulatory Capital and Risk-Weighted Assets
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As of 3Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.77% (3Q26), 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: 5.77% (RCOAH311).
What each ratio is made of, 3Q26
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 12.73% +6.23 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 | $50.2M | 50,184 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $394.4M | 394,365 | RCOAA223 |
| Recomputed ratio | 12.73% | numerator / denominator | |
| Filed ratio | 12.73% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.23 pp | $24.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.73% +4.73 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 | $50.2M | 50,184 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $394.4M | 394,365 | RCOAA223 |
| Recomputed ratio | 12.73% | numerator / denominator | |
| Filed ratio | 12.73% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.73 pp | $18.6M | capital that could be lost first |
Total risk-based capital ratio 13.77% +3.77 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 | $54.3M | 54,291 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $394.4M | 394,365 | RCOAA223 |
| Recomputed ratio | 13.77% | numerator / denominator | |
| Filed ratio | 13.77% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.77 pp | $14.9M | capital that could be lost first |
Tier 1 leverage ratio 9.30% +4.30 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 | $50.2M | 50,184 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $539.5M | 539,539 | RCOAA224 |
| Recomputed ratio | 9.30% | numerator / denominator | |
| Filed ratio | 9.30% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.30 pp | $23.2M | 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 | 3Q26 | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 50,184 | 49,918 | 49,926 | 49,766 | 49,657 | 49,241 | RCOAKW00 |
| Accumulated other comprehensive income | (2,948) | (1,724) | (1,756) | (1,622) | (1,932) | (2,305) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 47,236 | 48,194 | 48,170 | 48,144 | 47,725 | 46,936 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,948 | 1,724 | 1,756 | 1,622 | 1,932 | 2,305 | P859 - P840 |
| Common equity Tier 1 capital | 50,184 | 49,918 | 49,926 | 49,766 | 49,657 | 49,241 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 50,184 | 49,918 | 49,926 | 49,766 | 49,657 | 49,241 | RCOA8274 |
| Tier 2 capital | 4,107 | 4,002 | 3,931 | 3,885 | 3,850 | 3,906 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,107 | 4,002 | 3,931 | 3,885 | 3,850 | 3,906 | RCOA5310 |
| Total capital | 54,291 | 53,920 | 53,857 | 53,651 | 53,507 | 53,147 | RCOA3792 |
| Total risk-weighted assets | 394,365 | 385,745 | 376,478 | 375,458 | 373,166 | 378,173 | RCOAA223 |
| Average total assets for the leverage ratio | 539,539 | 537,326 | 538,511 | 535,202 | 532,571 | 537,320 | RCOAA224 |
Risk-weighted assets by exposure category, 3Q26
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 |
|---|---|---|---|---|---|
| Market risk and other approaches | — | $394.4M | — | 100.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $0 | ties to item 31 ($0) |
|---|---|---|
| Risk-weighted assets before deductions | $394.4M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $394.4M | 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 |
|---|---|---|---|---|---|---|---|---|---|
| 3Q26 | Risk-based | 12.73% | 12.73% | 13.77% | 9.30% | 15.38% | 15.44% | 16.49% | 11.13% |
| 2Q26 | Risk-based | 12.94% | 12.94% | 13.98% | 9.29% | 15.11% | 15.12% | 16.25% | 10.99% |
| 1Q26 | Risk-based | 13.26% | 13.26% | 14.31% | 9.27% | 14.93% | 14.97% | 16.07% | 10.85% |
| 4Q25 | Risk-based | 13.25% | 13.25% | 14.29% | 9.30% | 14.83% | 14.88% | 15.96% | 10.79% |
| 3Q25 | Risk-based | 13.31% | 13.31% | 14.34% | 9.32% | 14.80% | 14.82% | 15.95% | 10.87% |
| 2Q25 | Risk-based | 13.02% | 13.02% | 14.05% | 9.16% | 14.72% | 14.75% | 15.90% | 10.79% |
| 1Q25 | Risk-based | 12.73% | 12.73% | 13.74% | 9.09% | 14.75% | 14.77% | 15.90% | 10.69% |
| 4Q24 | Risk-based | 12.71% | 12.71% | 13.72% | 8.96% | 14.62% | 14.67% | 15.70% | 10.60% |
| 3Q24 | Risk-based | 12.14% | 12.14% | 13.15% | 8.76% | 14.64% | 14.65% | 15.77% | 10.69% |
| 2Q24 | Risk-based | 11.95% | 11.95% | 13.01% | 8.58% | 14.52% | 14.54% | 15.66% | 10.60% |
| 1Q24 | Risk-based | 12.06% | 12.06% | 13.15% | 8.53% | 14.54% | 14.58% | 15.68% | 10.53% |
| 4Q23 | Risk-based | 11.72% | 11.72% | 12.84% | 8.34% | 14.40% | 14.42% | 15.55% | 10.54% |
A dash 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, 3Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| The Cooperative Bank (this bank) | Risk-based | 12.73% | 12.73% | 13.77% | 9.30% | |
| Security Savings Bank | $549.7M | Risk-based | 10.09% | 10.09% | 10.95% | 9.83% |
| National Bank of Middlebury | $549.9M | Risk-based | 17.32% | 17.32% | 17.77% | 10.12% |
| Farmers Bank of Northern Missouri | $549.9M | CBLR | — | — | — | 12.98% |
| Mountain Valley Bank | $550.1M | CBLR | — | — | — | 10.83% |
| South Ottumwa Savings Bank | $548.7M | Risk-based | 18.88% | 18.88% | 19.83% | 13.16% |
| Glenwood State Bank (Incorporated) | $548.6M | Risk-based | 12.11% | 12.11% | 13.36% | 10.52% |
| First Federal Savings Bank | $550.3M | CBLR | — | — | — | 10.90% |
| Rayne State Bank & Trust Company | $550.8M | Risk-based | 18.16% | 18.16% | 19.42% | 12.15% |
| Austin County State Bank | $551.1M | CBLR | — | — | — | 9.70% |
| High Country Bank | $547.5M | CBLR | — | — | — | 9.58% |
| Peer 25th percentile | 12.11% | 12.11% | 13.36% | 9.91% | ||
| Peer median | 17.32% | 17.32% | 17.77% | 10.68% | ||
| Peer 75th percentile | 18.16% | 18.16% | 19.42% | 11.84% | ||
| This bank's percentile | 40 | 40 | 40 | 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/714978/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.