Trunorth Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.23% (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: 5.23% (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 12.06% +5.56 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 | $197.5M | 197,475 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.64B | 1,637,998 | RCOAA223 |
| Recomputed ratio | 12.06% | numerator / denominator | |
| Filed ratio | 12.06% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.56 pp | $91.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.06% +4.06 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 | $197.5M | 197,475 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.64B | 1,637,998 | RCOAA223 |
| Recomputed ratio | 12.06% | numerator / denominator | |
| Filed ratio | 12.06% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.06 pp | $66.4M | capital that could be lost first |
Total risk-based capital ratio 13.23% +3.23 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 | $216.7M | 216,745 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.64B | 1,637,998 | RCOAA223 |
| Recomputed ratio | 13.23% | numerator / denominator | |
| Filed ratio | 13.23% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.23 pp | $52.9M | capital that could be lost first |
Tier 1 leverage ratio 9.82% +4.82 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 | $197.5M | 197,475 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.01B | 2,010,751 | RCOAA224 |
| Recomputed ratio | 9.82% | numerator / denominator | |
| Filed ratio | 9.82% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.82 pp | $96.9M | 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 | 192,210 | 193,210 | 192,997 | 193,996 | 194,996 | 195,997 | RCOAP742 |
| Retained earnings | 5,265 | 4,204 | 1,213 | 9,055 | 5,320 | 2,509 | RCOAKW00 |
| Accumulated other comprehensive income | (2,168) | (2,112) | (1,767) | (2,612) | (3,578) | (3,883) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 195,307 | 195,302 | 192,443 | 200,439 | 196,738 | 194,623 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,168 | 2,112 | 1,767 | 2,612 | 3,578 | 3,883 | P859 - P840 |
| Common equity Tier 1 capital | 197,475 | 197,414 | 194,210 | 203,051 | 200,316 | 198,506 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 197,475 | 197,414 | 194,210 | 203,051 | 200,316 | 198,506 | RCOA8274 |
| Tier 2 capital | 19,270 | 16,479 | 16,002 | 19,144 | 17,642 | 18,772 | RCOA5311 |
| Allowance includable in Tier 2 capital | 19,270 | 16,479 | 16,002 | 19,144 | 17,642 | 18,772 | RCOA5310 |
| Total capital | 216,745 | 213,893 | 210,212 | 222,195 | 217,958 | 217,278 | RCOA3792 |
| Total risk-weighted assets | 1,637,998 | 1,664,131 | 1,683,928 | 1,709,664 | 1,745,009 | 1,716,699 | RCOAA223 |
| Average total assets for the leverage ratio | 2,010,751 | 2,000,760 | 2,028,903 | 2,025,469 | 2,037,006 | 2,028,706 | 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 | $110.6M | $7.8M | 7.10% | 0.48% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $207.6M | $58.7M | 28.25% | 3.58% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $722.0M | $449.1M | 62.21% | 27.42% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $1.1M | $1.7M | 150.00% | 0.10% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $23.0M | $34.5M | 150.00% | 2.11% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $856.6M | $856.6M | 100.00% | 52.30% | RC-R Part II, item 4.d, 5.d |
| All other assets | $113.0M | $109.3M | 96.72% | 6.67% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $106.3M | $106.3M | 100.00% | 6.49% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $14.0M | NA | 0.85% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.62B | ties to item 31 ($1.62B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.64B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.64B | 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 | 12.06% | 12.06% | 13.23% | 9.82% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.86% | 11.86% | 12.85% | 9.87% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.53% | 11.53% | 12.48% | 9.57% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.88% | 11.88% | 13.00% | 10.02% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.48% | 11.48% | 12.49% | 9.83% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.56% | 11.56% | 12.66% | 9.78% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.26% | 11.26% | 12.29% | 9.81% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.48% | 11.48% | 12.73% | 9.74% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.61% | 11.61% | 12.85% | 9.66% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.68% | 11.68% | 12.89% | 9.88% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.32% | 11.32% | 12.51% | 9.80% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.18% | 11.18% | 12.38% | 9.75% | 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 |
|---|---|---|---|---|---|---|
| Trunorth Bank (this bank) | Risk-based | 12.06% | 12.06% | 13.23% | 9.82% | |
| The Farmers & Merchants Bank | $2.02B | CBLR | NA | NA | NA | 9.79% |
| Florence Bank | $2.01B | CBLR | NA | NA | NA | 12.23% |
| Montecito Bank & Trust | $2.02B | CBLR | NA | NA | NA | 11.29% |
| Mission Bank | $2.01B | CBLR | NA | NA | NA | 12.22% |
| Mabrey Bank | $2.02B | Risk-based | 10.79% | 10.79% | 11.95% | 8.47% |
| Beneficial State Bank | $2.03B | CBLR | NA | NA | NA | 11.22% |
| Oak Valley Community Bank | $2.00B | Risk-based | 15.72% | 15.72% | 16.53% | 11.48% |
| Bank of Springfield | $2.00B | Risk-based | 10.72% | 10.72% | 11.81% | 9.22% |
| First National Bank | $2.03B | Risk-based | 23.91% | 26.19% | 27.48% | 21.88% |
| The Conway National Bank | $2.00B | Risk-based | 19.18% | 19.18% | 20.12% | 10.23% |
| Peer 25th percentile | 10.79% | 10.79% | 11.95% | 9.90% | ||
| Peer median | 15.72% | 15.72% | 16.53% | 11.25% | ||
| Peer 75th percentile | 19.18% | 19.18% | 20.12% | 12.03% | ||
| This bank's percentile | 40 | 40 | 40 | 30 |
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/859002/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.