Touchmark National Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 37.50% (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: 37.50% (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 44.24% +37.74 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 | $53.8M | 53,835 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $121.7M | 121,699 | RCOAA223 |
| Recomputed ratio | 44.24% | numerator / denominator | |
| Filed ratio | 44.24% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +37.74 pp | $45.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 44.24% +36.24 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 | $53.8M | 53,835 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $121.7M | 121,699 | RCOAA223 |
| Recomputed ratio | 44.24% | numerator / denominator | |
| Filed ratio | 44.24% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +36.24 pp | $44.1M | capital that could be lost first |
Total risk-based capital ratio 45.50% +35.50 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 | $55.4M | 55,371 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $121.7M | 121,699 | RCOAA223 |
| Recomputed ratio | 45.50% | numerator / denominator | |
| Filed ratio | 45.50% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +35.50 pp | $43.2M | capital that could be lost first |
Tier 1 leverage ratio 13.11% +8.11 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 | $53.8M | 53,835 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $410.7M | 410,658 | RCOAA224 |
| Recomputed ratio | 13.11% | numerator / denominator | |
| Filed ratio | 13.11% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.11 pp | $33.3M | 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 | 42,806 | 42,806 | 42,806 | 42,806 | 42,806 | 42,801 | RCOAP742 |
| Retained earnings | 11,040 | 10,241 | 10,108 | 11,645 | 10,998 | 10,552 | RCOAKW00 |
| Accumulated other comprehensive income | (633) | (605) | (548) | (562) | (707) | (680) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 53,213 | 52,442 | 52,366 | 53,889 | 53,097 | 52,673 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 622 | 593 | 536 | 548 | 692 | 663 | P859 - P840 |
| Common equity Tier 1 capital | 53,835 | 53,035 | 52,902 | 54,437 | 53,789 | 53,336 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 53,835 | 53,035 | 52,902 | 54,437 | 53,789 | 53,336 | RCOA8274 |
| Tier 2 capital | 1,536 | 1,587 | 1,457 | 1,414 | 1,415 | 1,522 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,536 | 1,587 | 1,457 | 1,414 | 1,415 | 1,522 | RCOA5310 |
| Total capital | 55,371 | 54,622 | 54,359 | 55,851 | 55,204 | 54,858 | RCOA3792 |
| Total risk-weighted assets | 121,699 | 126,121 | 115,444 | 112,142 | 112,329 | 121,143 | RCOAA223 |
| Average total assets for the leverage ratio | 410,658 | 412,579 | 419,866 | 428,135 | 430,812 | 445,552 | 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 | $72.3M | $1.9M | 2.60% | 1.53% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $11.9M | $2.2M | 18.06% | 1.76% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $5.2M | $1.0M | 20.00% | 0.84% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $3.2M | $2.0M | 61.09% | 1.61% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $16.2M | $4.1M | 25.57% | 3.37% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $297.9M | $97.2M | 32.61% | 79.10% | RC-R Part II, item 4.d, 5.d |
| All other assets | $13.6M | $12.6M | 92.79% | 10.26% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.9M | $1.9M | 100.00% | 1.53% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $2K | 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 | $122.8M | does not tie to item 31 ($122.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $122.8M | RCONB704 |
| Less: excess allowance for credit losses | $1.1M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $121.7M | 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 | 44.24% | 44.24% | 45.50% | 13.11% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 42.05% | 42.05% | 43.31% | 12.85% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 45.82% | 45.82% | 47.09% | 12.60% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 48.54% | 48.54% | 49.80% | 12.71% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 47.89% | 47.89% | 49.14% | 12.49% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 44.03% | 44.03% | 45.28% | 11.97% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 41.33% | 41.33% | 42.58% | 11.56% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 40.43% | 40.43% | 41.71% | 11.99% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 35.93% | 35.93% | 37.21% | 11.08% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 32.93% | 32.93% | 34.20% | 10.18% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 30.40% | 30.40% | 31.67% | 10.38% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 32.26% | 32.26% | 33.54% | 12.87% | 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 |
|---|---|---|---|---|---|---|
| Touchmark National Bank (this bank) | Risk-based | 44.24% | 44.24% | 45.50% | 13.11% | |
| Dakota Heritage Bank | $416.8M | CBLR | NA | NA | NA | 9.83% |
| Partners Bank | $417.1M | Risk-based | 15.70% | 15.70% | 16.96% | 13.73% |
| The Bank of Landisburg | $417.1M | CBLR | NA | NA | NA | 16.97% |
| Chelsea State Bank | $416.5M | Risk-based | 19.50% | 19.50% | 20.76% | 12.76% |
| Ma Bank | $417.3M | CBLR | NA | NA | NA | 9.54% |
| Farmers State Bank of Calhan | $416.4M | Risk-based | 16.58% | 16.58% | 17.25% | 9.21% |
| Dakota Western Bank | $416.2M | Risk-based | 14.03% | 14.03% | 15.28% | 11.57% |
| Heritage Bank & Trust | $417.8M | Risk-based | 10.24% | 10.24% | 11.50% | 8.48% |
| Bank of Zachary | $416.0M | Risk-based | 18.40% | 18.40% | 19.39% | 11.92% |
| First Lockhart Bank | $415.9M | CBLR | NA | NA | NA | 9.34% |
| Peer 25th percentile | 14.44% | 14.44% | 15.70% | 9.39% | ||
| Peer median | 16.14% | 16.14% | 17.10% | 10.70% | ||
| Peer 75th percentile | 17.95% | 17.95% | 18.85% | 12.55% | ||
| This bank's percentile | 100 | 100 | 100 | 80 |
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/3645840/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.