Town Center Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.16% (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: 5.16% (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 12.24% +5.74 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 | $20.1M | 20,070 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $164.0M | 163,986 | RCOAA223 |
| Recomputed ratio | 12.24% | numerator / denominator | |
| Filed ratio | 12.24% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.74 pp | $9.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.24% +4.24 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 | $20.1M | 20,070 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $164.0M | 163,986 | RCOAA223 |
| Recomputed ratio | 12.24% | numerator / denominator | |
| Filed ratio | 12.24% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.24 pp | $7.0M | capital that could be lost first |
Total risk-based capital ratio 13.16% +3.16 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 | $21.6M | 21,582 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $164.0M | 163,986 | RCOAA223 |
| Recomputed ratio | 13.16% | numerator / denominator | |
| Filed ratio | 13.16% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.16 pp | $5.2M | capital that could be lost first |
Tier 1 leverage ratio 11.38% +6.38 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 | $20.1M | 20,070 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $176.4M | 176,363 | RCOAA224 |
| Recomputed ratio | 11.38% | numerator / denominator | |
| Filed ratio | 11.38% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.38 pp | $11.3M | 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 | 22,972 | 22,973 | 22,973 | 22,973 | 23,123 | 23,123 | RCOAP742 |
| Retained earnings | (1,971) | (1,887) | (2,195) | (2,647) | (3,080) | (3,423) | RCOAKW00 |
| Accumulated other comprehensive income | (563) | (553) | (449) | (489) | (618) | (648) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 20,438 | 20,533 | 20,329 | 19,837 | 19,425 | 19,052 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (368) | (344) | (570) | (556) | (554) | (656) | P859 - P840 |
| Common equity Tier 1 capital | 20,070 | 20,189 | 19,759 | 19,281 | 18,871 | 18,396 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 20,070 | 20,189 | 19,759 | 19,281 | 18,871 | 18,396 | RCOA8274 |
| Tier 2 capital | 1,512 | 1,490 | 1,445 | 1,434 | 1,408 | 1,417 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,512 | 1,490 | 1,445 | 1,434 | 1,408 | 1,417 | RCOA5310 |
| Total capital | 21,582 | 21,679 | 21,204 | 20,715 | 20,279 | 19,813 | RCOA3792 |
| Total risk-weighted assets | 163,986 | 155,166 | 148,612 | 145,348 | 140,191 | 130,512 | RCOAA223 |
| Average total assets for the leverage ratio | 176,363 | 177,468 | 171,237 | 165,879 | 165,670 | 170,214 | 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 | $14.2M | $253K | 1.78% | 0.15% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $15.6M | $1.6M | 10.24% | 0.97% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $4.8M | $962K | 20.00% | 0.59% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $8.0M | $4.1M | 51.43% | 2.50% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $134.2M | $133.7M | 99.68% | 81.56% | RC-R Part II, item 4.d, 5.d |
| All other assets | $6.2M | $5.3M | 86.74% | 3.25% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $18.0M | $18.0M | 100.00% | 10.97% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $700 | 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 | $164.0M | ties to item 31 ($164.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $164.0M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $164.0M | 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 | 12.24% | 12.24% | 13.16% | 11.38% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.01% | 13.01% | 13.97% | 11.38% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.30% | 13.30% | 14.27% | 11.54% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.27% | 13.27% | 14.25% | 11.62% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.46% | 13.46% | 14.47% | 11.39% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.10% | 14.10% | 15.18% | 10.81% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.46% | 13.46% | 14.54% | 11.03% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.16% | 13.16% | 14.25% | 10.87% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.63% | 12.63% | 13.66% | 11.45% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.93% | 12.93% | 13.99% | 11.03% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.01% | 13.01% | 14.07% | 11.63% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.61% | 12.61% | 13.64% | 12.02% | 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 |
|---|---|---|---|---|---|---|
| Town Center Bank (this bank) | Risk-based | 12.24% | 12.24% | 13.16% | 11.38% | |
| Battle Bank, N.A. | $180.8M | CBLR | NA | NA | NA | 33.32% |
| The Farmers State Bank | $180.5M | CBLR | NA | NA | NA | 10.05% |
| Bank of Hydro | $180.8M | CBLR | NA | NA | NA | 11.56% |
| Slovenian Savings & Loan Association of Franklin-Conemaugh | $180.8M | CBLR | NA | NA | NA | 9.88% |
| Farmers and Merchants State Bank | $180.4M | Risk-based | 11.73% | 11.73% | 12.96% | 11.02% |
| Feliciana Bank & Trust Company | $180.4M | CBLR | NA | NA | NA | 11.81% |
| LNB Community Bank | $181.0M | Risk-based | 16.98% | 16.98% | 18.23% | 9.36% |
| Gateway Bank | $181.0M | CBLR | NA | NA | NA | 9.65% |
| Greater State Bank | $180.2M | Risk-based | 14.45% | 14.45% | 15.70% | 11.05% |
| State Bank of Whittington | $180.1M | Risk-based | 15.98% | 15.98% | 17.08% | 11.55% |
| Peer 25th percentile | 13.77% | 13.77% | 15.02% | 9.92% | ||
| Peer median | 15.21% | 15.21% | 16.39% | 11.04% | ||
| Peer 75th percentile | 16.23% | 16.23% | 17.36% | 11.56% | ||
| This bank's percentile | 25 | 25 | 25 | 60 |
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/3459216/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.