Triad Business Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.29% (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: 4.29% (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 11.54% +5.04 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 | $59.3M | 59,268 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $513.8M | 513,806 | RCOAA223 |
| Recomputed ratio | 11.54% | numerator / denominator | |
| Filed ratio | 11.54% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.04 pp | $25.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.54% +3.54 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 | $59.3M | 59,268 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $513.8M | 513,806 | RCOAA223 |
| Recomputed ratio | 11.54% | numerator / denominator | |
| Filed ratio | 11.54% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.54 pp | $18.2M | capital that could be lost first |
Total risk-based capital ratio 12.29% +2.29 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 | $63.1M | 63,130 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $513.8M | 513,806 | RCOAA223 |
| Recomputed ratio | 12.29% | numerator / denominator | |
| Filed ratio | 12.29% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.29 pp | $11.7M | capital that could be lost first |
Tier 1 leverage ratio 10.86% +5.86 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 | $59.3M | 59,268 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $545.9M | 545,947 | RCOAA224 |
| Recomputed ratio | 10.86% | numerator / denominator | |
| Filed ratio | 10.86% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.86 pp | $32.0M | 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 | 73,469 | 73,443 | 73,390 | 73,343 | 73,288 | 73,260 | RCOAP742 |
| Retained earnings | (14,201) | (14,278) | (14,682) | (15,179) | (15,662) | (15,878) | RCOAKW00 |
| Accumulated other comprehensive income | (8,428) | (8,517) | (8,140) | (8,852) | (11,475) | (12,220) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 50,840 | 50,648 | 50,568 | 49,312 | 46,151 | 45,162 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 8,428 | 8,517 | 8,140 | 8,852 | 11,475 | 12,220 | P859 - P840 |
| Common equity Tier 1 capital | 59,268 | 59,165 | 58,708 | 58,164 | 57,626 | 57,382 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 59,268 | 59,165 | 58,708 | 58,164 | 57,626 | 57,382 | RCOA8274 |
| Tier 2 capital | 3,862 | 3,819 | 3,818 | 4,036 | 3,936 | 4,265 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,862 | 3,819 | 3,818 | 4,036 | 3,936 | 4,265 | RCOA5310 |
| Total capital | 63,130 | 62,984 | 62,526 | 62,200 | 61,562 | 61,647 | RCOA3792 |
| Total risk-weighted assets | 513,806 | 516,988 | 508,408 | 508,216 | 506,739 | 499,441 | RCOAA223 |
| Average total assets for the leverage ratio | 545,947 | 544,565 | 536,089 | 536,796 | 535,330 | 537,762 | 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 | $20.9M | $2.6M | 12.64% | 0.51% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $104.9M | $50.5M | 48.16% | 9.84% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $27.9M | $14.0M | 50.26% | 2.73% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $101K | $152K | 150.00% | 0.03% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $5.7M | $8.5M | 150.00% | 1.65% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $377.3M | $376.5M | 99.78% | 73.28% | RC-R Part II, item 4.d, 5.d |
| All other assets | $6.6M | $6.0M | 90.75% | 1.16% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $54.5M | $54.5M | 100.00% | 10.60% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $259K | $125K | 48.11% | 0.02% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $886K | NA | 0.17% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $512.9M | ties to item 31 ($512.9M) |
|---|---|---|
| Risk-weighted assets before deductions | $513.8M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $513.8M | 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 | 11.54% | 11.54% | 12.29% | 10.86% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.44% | 11.44% | 12.18% | 10.86% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.55% | 11.55% | 12.30% | 10.95% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.44% | 11.44% | 12.24% | 10.84% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.37% | 11.37% | 12.15% | 10.76% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.49% | 11.49% | 12.34% | 10.67% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.56% | 11.56% | 12.48% | 10.52% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.03% | 12.03% | 13.05% | 10.91% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.43% | 12.43% | 13.26% | 11.05% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.38% | 11.38% | 12.22% | 10.37% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.76% | 11.76% | 12.70% | 10.52% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.94% | 11.94% | 12.89% | 10.76% | 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 |
|---|---|---|---|---|---|---|
| Triad Business Bank (this bank) | Risk-based | 11.54% | 11.54% | 12.29% | 10.86% | |
| Pan American Bank & Trust | $536.1M | Risk-based | 10.54% | 10.54% | 11.79% | 8.63% |
| First Nations Bank | $536.6M | Risk-based | 18.51% | 18.51% | 19.77% | 14.11% |
| Essex Bank | $536.6M | CBLR | NA | NA | NA | 12.87% |
| First State Bank of St. Charles, Missouri | $535.2M | Risk-based | 15.77% | 15.77% | 17.01% | 15.65% |
| Enterprise Bank of South Carolina | $535.1M | Risk-based | 15.47% | 15.47% | 16.13% | 9.26% |
| Homestead Bank | $537.0M | CBLR | NA | NA | NA | 18.62% |
| Shoreham Bank | $534.8M | Risk-based | 12.73% | 12.73% | 13.99% | 10.65% |
| Bank of Dudley | $537.9M | CBLR | NA | NA | NA | 9.62% |
| The Murray Bank | $534.1M | CBLR | NA | NA | NA | 9.96% |
| Peer 25th percentile | 12.73% | 12.73% | 13.99% | 9.62% | ||
| Peer median | 15.47% | 15.47% | 16.13% | 10.65% | ||
| Peer 75th percentile | 15.77% | 15.77% | 17.01% | 14.11% | ||
| This bank's percentile | 20 | 20 | 20 | 56 |
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/5398627/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.