Titan Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 28.75% (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: 28.75% (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 35.50% +29.00 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 | $124.5M | 124,453 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $350.6M | 350,614 | RCOAA223 |
| Recomputed ratio | 35.50% | numerator / denominator | |
| Filed ratio | 35.50% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +29.00 pp | $101.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 35.50% +27.50 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 | $124.5M | 124,453 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $350.6M | 350,614 | RCOAA223 |
| Recomputed ratio | 35.50% | numerator / denominator | |
| Filed ratio | 35.50% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +27.50 pp | $96.4M | capital that could be lost first |
Total risk-based capital ratio 36.75% +26.75 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 | $128.8M | 128,845 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $350.6M | 350,614 | RCOAA223 |
| Recomputed ratio | 36.75% | numerator / denominator | |
| Filed ratio | 36.75% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +26.75 pp | $93.8M | capital that could be lost first |
Tier 1 leverage ratio 9.48% +4.48 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 | $124.5M | 124,453 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.31B | 1,312,569 | RCOAA224 |
| Recomputed ratio | 9.48% | numerator / denominator | |
| Filed ratio | 9.48% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.48 pp | $58.8M | 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 | 11,033 | 11,033 | 11,033 | 11,033 | 11,033 | 11,033 | RCOAP742 |
| Retained earnings | 113,421 | 96,519 | 74,427 | 175,774 | 62,144 | 58,506 | RCOAKW00 |
| Accumulated other comprehensive income | (6,860) | (6,833) | (6,498) | (7,155) | (7,364) | (7,604) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 117,594 | 100,719 | 78,962 | 179,652 | 65,813 | 61,935 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,859 | 6,831 | 6,496 | 7,153 | 7,362 | 7,602 | P859 - P840 |
| Common equity Tier 1 capital | 124,453 | 107,550 | 85,458 | 186,805 | 73,175 | 69,537 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 124,453 | 107,550 | 85,458 | 186,805 | 73,175 | 69,537 | RCOA8274 |
| Tier 2 capital | 4,392 | 4,646 | 5,567 | 4,219 | 3,907 | 3,511 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,392 | 4,646 | 5,567 | 4,219 | 3,907 | 3,511 | RCOA5310 |
| Total capital | 128,845 | 112,196 | 91,025 | 191,024 | 77,082 | 73,048 | RCOA3792 |
| Total risk-weighted assets | 350,614 | 370,833 | 460,027 | 336,811 | 318,566 | 282,447 | RCOAA223 |
| Average total assets for the leverage ratio | 1,312,569 | 921,864 | 886,625 | 887,692 | 785,037 | 701,108 | 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 | $341.1M | $98K | 0.03% | 0.03% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $62.5M | $23.5M | 37.55% | 6.68% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $257.1M | $129.1M | 50.22% | 36.75% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $950K | $1.4M | 150.00% | 0.41% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $161.6M | $156.5M | 96.85% | 44.54% | RC-R Part II, item 4.d, 5.d |
| All other assets | $23.5M | $23.0M | 97.82% | 6.56% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $3.1M | $3.1M | 100.00% | 0.89% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $14.6M | NA | 4.16% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $336.7M | ties to item 31 ($336.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $351.4M | RCONB704 |
| Less: excess allowance for credit losses | $739K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $350.6M | 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 | 35.50% | 35.50% | 36.75% | 9.48% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 29.00% | 29.00% | 30.26% | 11.67% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 18.58% | 18.58% | 19.79% | 9.64% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 55.46% | 55.46% | 56.72% | 21.04% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 22.97% | 22.97% | 24.20% | 9.32% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 24.62% | 24.62% | 25.86% | 9.92% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 23.81% | 23.81% | 25.06% | 9.72% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 23.11% | 23.11% | 24.36% | 10.74% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 22.90% | 22.90% | 24.15% | 10.43% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 23.94% | 23.94% | 25.19% | 9.93% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 23.36% | 23.36% | 24.61% | 11.17% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 21.75% | 21.75% | 23.01% | 10.01% | 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 |
|---|---|---|---|---|---|---|
| Titan Bank, N.A. (this bank) | Risk-based | 35.50% | 35.50% | 36.75% | 9.48% | |
| The First State Bank | $895.2M | CBLR | NA | NA | NA | 10.58% |
| Windsor Federal Bank | $895.4M | CBLR | NA | NA | NA | 9.91% |
| 21st Century Bank | $894.8M | Risk-based | 14.71% | 14.71% | 15.70% | 10.66% |
| Farmers National Bank | $895.7M | CBLR | NA | NA | NA | 15.03% |
| Visionbank of Iowa | $896.1M | Risk-based | 10.95% | 10.95% | 12.04% | 9.43% |
| Mountain Pacific Bank | $896.4M | Risk-based | 13.07% | 13.07% | 14.33% | 11.52% |
| Mechanics Bank | $896.4M | Risk-based | 14.65% | 14.65% | 15.90% | 8.44% |
| First Southern State Bank | $893.5M | CBLR | NA | NA | NA | 10.59% |
| Fortress Bank | $897.2M | Risk-based | 9.66% | 10.80% | 12.04% | 9.12% |
| Peer 25th percentile | 10.95% | 10.95% | 12.04% | 9.43% | ||
| Peer median | 13.07% | 13.07% | 14.33% | 10.58% | ||
| Peer 75th percentile | 14.65% | 14.65% | 15.70% | 10.66% | ||
| This bank's percentile | 100 | 100 | 100 | 33 |
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/328357/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.