Thread Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 16.49% (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: 16.49% (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 23.36% +16.86 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 | $102.3M | 102,263 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $437.8M | 437,810 | RCOAA223 |
| Recomputed ratio | 23.36% | numerator / denominator | |
| Filed ratio | 23.36% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +16.86 pp | $73.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 23.36% +15.36 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 | $102.3M | 102,263 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $437.8M | 437,810 | RCOAA223 |
| Recomputed ratio | 23.36% | numerator / denominator | |
| Filed ratio | 23.36% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +15.36 pp | $67.2M | capital that could be lost first |
Total risk-based capital ratio 24.49% +14.49 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 | $107.2M | 107,237 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $437.8M | 437,810 | RCOAA223 |
| Recomputed ratio | 24.49% | numerator / denominator | |
| Filed ratio | 24.49% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +14.49 pp | $63.5M | capital that could be lost first |
Tier 1 leverage ratio 9.75% +4.75 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 | $102.3M | 102,263 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.05B | 1,048,750 | RCOAA224 |
| Recomputed ratio | 9.75% | numerator / denominator | |
| Filed ratio | 9.75% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.75 pp | $49.8M | 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 | 100,978 | 100,719 | 100,532 | 75,314 | 75,131 | 75,082 | RCOAP742 |
| Retained earnings | 4,434 | 2,975 | 1,445 | 1,185 | 10 | (1,017) | RCOAKW00 |
| Accumulated other comprehensive income | (9,554) | (10,240) | (8,483) | (9,084) | (10,714) | (10,282) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 95,858 | 93,454 | 93,494 | 67,415 | 64,427 | 63,783 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,405 | 7,090 | 5,333 | 5,935 | 7,565 | 7,133 | P859 - P840 |
| Common equity Tier 1 capital | 102,263 | 100,544 | 98,827 | 73,350 | 71,992 | 70,916 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 102,263 | 100,544 | 98,827 | 73,350 | 71,992 | 70,916 | RCOA8274 |
| Tier 2 capital | 4,974 | 4,356 | 4,241 | 4,168 | 4,007 | 3,869 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,974 | 4,356 | 4,241 | 4,168 | 4,007 | 3,869 | RCOA5310 |
| Total capital | 107,237 | 104,900 | 103,068 | 77,518 | 75,999 | 74,785 | RCOA3792 |
| Total risk-weighted assets | 437,810 | 403,908 | 372,670 | 332,985 | 344,142 | 349,744 | RCOAA223 |
| Average total assets for the leverage ratio | 1,048,750 | 1,024,921 | 877,550 | 786,682 | 787,260 | 764,115 | 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 | $119.3M | $1.2M | 1.03% | 0.28% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $349.8M | $72.2M | 20.65% | 16.50% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $74.1M | $14.8M | 20.00% | 3.39% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $220.7M | $95.4M | 43.22% | 21.79% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $760K | $1.1M | 150.00% | 0.26% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $199.8M | $168.4M | 84.25% | 38.46% | RC-R Part II, item 4.d, 5.d |
| All other assets | $61.3M | $59.7M | 97.40% | 13.63% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $22.2M | $4.4M | 20.00% | 1.02% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $500K | $500K | 100.00% | 0.11% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $20.0M | NA | 4.57% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $417.8M | ties to item 31 ($417.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $437.8M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $437.8M | 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 | 23.36% | 23.36% | 24.49% | 9.75% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 24.89% | 24.89% | 25.97% | 9.81% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 26.52% | 26.52% | 27.66% | 11.26% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 22.03% | 22.03% | 23.28% | 9.32% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 20.92% | 20.92% | 22.08% | 9.14% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 20.28% | 20.28% | 21.38% | 9.28% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 21.02% | 21.02% | 22.01% | 9.37% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 21.16% | 21.16% | 22.10% | 9.32% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 18.45% | 18.45% | 19.26% | 9.24% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 20.03% | 20.03% | 20.71% | 9.15% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 20.40% | 20.40% | 21.11% | 9.81% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 20.40% | 20.40% | 21.14% | 9.40% | 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 |
|---|---|---|---|---|---|---|
| Thread Bank (this bank) | Risk-based | 23.36% | 23.36% | 24.49% | 9.75% | |
| Bank of Labor | $1.11B | Risk-based | 14.19% | 14.19% | 15.14% | 7.99% |
| Jackson County Bank | $1.11B | Risk-based | 10.97% | 10.97% | 12.17% | 8.46% |
| First National Bank Ames, Iowa | $1.11B | Risk-based | 14.97% | 14.97% | 16.21% | 9.86% |
| Liberty Savings Bank, F.S.B. | $1.11B | Risk-based | 17.83% | 17.83% | 19.08% | 9.61% |
| First Federal Bank | $1.11B | CBLR | NA | NA | NA | 10.48% |
| Saint Louis Bank | $1.11B | Risk-based | 10.02% | 10.02% | 11.25% | 8.81% |
| American Bank | $1.11B | Risk-based | 12.07% | 12.07% | 12.99% | 10.60% |
| The Evangeline Bank and Trust Company | $1.11B | CBLR | NA | NA | NA | 14.22% |
| Trailwest Bank | $1.11B | Risk-based | 10.89% | 10.89% | 12.15% | 8.62% |
| Triad Bank | $1.11B | Risk-based | 13.09% | 13.09% | 14.34% | 10.74% |
| Peer 25th percentile | 10.95% | 10.95% | 12.16% | 8.67% | ||
| Peer median | 12.58% | 12.58% | 13.67% | 9.74% | ||
| Peer 75th percentile | 14.39% | 14.39% | 15.41% | 10.57% | ||
| This bank's percentile | 100 | 100 | 100 | 50 |
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/841838/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.