Tradition Capital Bank: Regulatory Capital and Risk-Weighted Assets
BankRegReports is independent of Tradition Capital Bank and never asks for online banking logins or passwords.
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.49% (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: 3.49% (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 10.32% +3.82 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 | $238.2M | 238,248 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.31B | 2,309,622 | RCOAA223 |
| Recomputed ratio | 10.32% | numerator / denominator | |
| Filed ratio | 10.32% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.82 pp | $88.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.32% +2.32 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 | $238.2M | 238,248 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.31B | 2,309,622 | RCOAA223 |
| Recomputed ratio | 10.32% | numerator / denominator | |
| Filed ratio | 10.32% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.32 pp | $53.5M | capital that could be lost first |
Total risk-based capital ratio 11.49% +1.49 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 | $265.4M | 265,391 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.31B | 2,309,622 | RCOAA223 |
| Recomputed ratio | 11.49% | numerator / denominator | |
| Filed ratio | 11.49% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.49 pp | $34.4M | capital that could be lost first |
Tier 1 leverage ratio 8.87% +3.87 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 | $238.2M | 238,248 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.68B | 2,684,927 | RCOAA224 |
| Recomputed ratio | 8.87% | numerator / denominator | |
| Filed ratio | 8.87% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.87 pp | $104.0M | 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 | 215,100 | 215,000 | 205,000 | 200,000 | 200,000 | 200,000 | RCOAP742 |
| Retained earnings | 23,148 | 16,416 | 21,049 | 20,535 | 15,426 | 11,234 | RCOAKW00 |
| Accumulated other comprehensive income | (9,580) | (10,148) | (9,671) | (11,009) | (12,985) | (13,788) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 228,668 | 221,268 | 216,378 | 209,526 | 202,441 | 197,446 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 9,580 | 10,148 | 9,671 | 11,009 | 12,985 | 13,788 | P859 - P840 |
| Common equity Tier 1 capital | 238,248 | 231,416 | 226,049 | 220,535 | 215,426 | 211,234 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 238,248 | 231,416 | 226,049 | 220,535 | 215,426 | 211,234 | RCOA8274 |
| Tier 2 capital | 27,143 | 26,887 | 26,838 | 27,623 | 26,638 | 25,391 | RCOA5311 |
| Allowance includable in Tier 2 capital | 27,143 | 26,887 | 26,838 | 27,623 | 26,638 | 25,391 | RCOA5310 |
| Total capital | 265,391 | 258,303 | 252,887 | 248,158 | 242,064 | 236,625 | RCOA3792 |
| Total risk-weighted assets | 2,309,622 | 2,212,916 | 2,254,056 | 2,250,859 | 2,167,029 | 2,093,822 | RCOAA223 |
| Average total assets for the leverage ratio | 2,684,927 | 2,650,091 | 2,724,871 | 2,714,613 | 2,614,712 | 2,586,352 | 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 | $87.8M | $3.9M | 4.41% | 0.17% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $353.6M | $56.4M | 15.95% | 2.44% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $556.0M | $320.5M | 57.64% | 13.88% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $16.8M | $25.2M | 150.00% | 1.09% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $105K | $158K | 150.00% | 0.01% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.68B | $1.64B | 97.83% | 71.11% | RC-R Part II, item 4.d, 5.d |
| All other assets | $66.1M | $70.1M | 106.08% | 3.03% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $193.2M | $190.9M | 98.83% | 8.27% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $3.4M | $208K | 6.15% | 0.01% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1K | 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 | $2.31B | ties to item 31 ($2.31B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.31B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.31B | 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 | 10.32% | 10.32% | 11.49% | 8.87% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.46% | 10.46% | 11.67% | 8.73% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.03% | 10.03% | 11.22% | 8.30% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 9.80% | 9.80% | 11.03% | 8.12% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 9.94% | 9.94% | 11.17% | 8.24% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 10.09% | 10.09% | 11.30% | 8.17% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 9.92% | 9.92% | 11.12% | 7.99% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.10% | 10.10% | 11.34% | 7.56% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 9.44% | 9.44% | 10.63% | 7.71% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 9.63% | 9.63% | 10.83% | 7.82% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 9.74% | 9.74% | 10.95% | 8.29% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 9.82% | 9.82% | 10.99% | 8.29% | 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 |
|---|---|---|---|---|---|---|
| Tradition Capital Bank (this bank) | Risk-based | 10.32% | 10.32% | 11.49% | 8.87% | |
| Pinnacle Bank | $2.72B | Risk-based | 14.07% | 14.07% | 15.19% | 10.93% |
| Planters Bank & Trust Company | $2.71B | Risk-based | 15.29% | 15.29% | 16.23% | 11.19% |
| Home Federal Bank of Tennessee | $2.73B | CBLR | NA | NA | NA | 17.16% |
| CalPrivate Bank | $2.71B | Risk-based | 13.61% | 13.61% | 14.86% | 11.52% |
| Westfield Bank | $2.73B | Risk-based | 12.47% | 12.47% | 13.47% | 9.37% |
| Cornerstone Bank | $2.73B | CBLR | NA | NA | NA | 9.88% |
| State Bank of Southern Utah | $2.74B | CBLR | NA | NA | NA | 12.04% |
| Beverly Bank & Trust Company, N.A. | $2.69B | Risk-based | 11.43% | 11.43% | 12.10% | 9.91% |
| Open Bank | $2.75B | Risk-based | 12.10% | 12.10% | 13.35% | 10.15% |
| INB, N.A. | $2.68B | Risk-based | 12.19% | 12.19% | 13.28% | 9.44% |
| Peer 25th percentile | 12.14% | 12.14% | 13.31% | 9.89% | ||
| Peer median | 12.47% | 12.47% | 13.47% | 10.54% | ||
| Peer 75th percentile | 13.84% | 13.84% | 15.02% | 11.43% | ||
| This bank's percentile | 0 | 0 | 0 | 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/3344321/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.