TrustCo Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.73% (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: 7.73% (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 14.48% +7.98 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 | $548.3M | 548,272 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.79B | 3,787,291 | RCOAA223 |
| Recomputed ratio | 14.48% | numerator / denominator | |
| Filed ratio | 14.48% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.98 pp | $302.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.48% +6.48 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 | $548.3M | 548,272 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.79B | 3,787,291 | RCOAA223 |
| Recomputed ratio | 14.48% | numerator / denominator | |
| Filed ratio | 14.48% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.48 pp | $245.3M | capital that could be lost first |
Total risk-based capital ratio 15.73% +5.73 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 | $595.7M | 595,717 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.79B | 3,787,291 | RCOAA223 |
| Recomputed ratio | 15.73% | numerator / denominator | |
| Filed ratio | 15.73% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.73 pp | $217.0M | capital that could be lost first |
Tier 1 leverage ratio 8.38% +3.38 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 | $548.3M | 548,272 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $6.55B | 6,545,033 | RCOAA224 |
| Recomputed ratio | 8.38% | numerator / denominator | |
| Filed ratio | 8.38% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.38 pp | $221.0M | 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 | 138,291 | 137,816 | 137,341 | 136,996 | 136,688 | 136,380 | RCOAP742 |
| Retained earnings | 410,534 | 393,404 | 376,931 | 535,800 | 529,909 | 523,083 | RCOAKW00 |
| Accumulated other comprehensive income | 6,967 | 8,241 | 10,024 | 2,955 | 1,663 | (132) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 555,792 | 539,461 | 524,296 | 675,751 | 668,260 | 659,331 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (7,520) | (8,794) | (10,577) | (3,508) | (2,216) | (421) | P859 - P840 |
| Common equity Tier 1 capital | 548,272 | 530,667 | 513,719 | 672,243 | 666,044 | 658,910 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 548,272 | 530,667 | 513,719 | 672,243 | 666,044 | 658,910 | RCOA8274 |
| Tier 2 capital | 47,445 | 46,616 | 46,031 | 45,117 | 44,744 | 44,244 | RCOA5311 |
| Allowance includable in Tier 2 capital | 47,445 | 46,616 | 46,031 | 45,117 | 44,744 | 44,244 | RCOA5310 |
| Total capital | 595,717 | 577,283 | 559,750 | 717,360 | 710,788 | 703,154 | RCOA3792 |
| Total risk-weighted assets | 3,787,291 | 3,720,853 | 3,674,483 | 3,600,793 | 3,571,157 | 3,531,177 | RCOAA223 |
| Average total assets for the leverage ratio | 6,545,033 | 6,442,363 | 6,322,155 | 6,303,900 | 6,279,391 | 6,253,377 | 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 | $696.7M | $5.7M | 0.82% | 0.15% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $326.0M | $120.3M | 36.91% | 3.17% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $5.04B | $2.81B | 55.68% | 74.00% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $11.0M | $16.4M | 150.00% | 0.43% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $2.1M | $3.1M | 150.00% | 0.08% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $319.3M | $296.6M | 92.88% | 7.81% | RC-R Part II, item 4.d, 5.d |
| All other assets | $199.0M | $194.2M | 97.62% | 5.12% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $357.7M | $350.3M | 97.93% | 9.23% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | 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 | $3.80B | ties to item 31 ($3.80B) |
|---|---|---|
| Risk-weighted assets before deductions | $3.80B | RCONB704 |
| Less: excess allowance for credit losses | $8.3M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $3.79B | 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 | 14.48% | 14.48% | 15.73% | 8.38% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 14.26% | 14.26% | 15.51% | 8.24% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.98% | 13.98% | 15.23% | 8.13% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 18.67% | 18.67% | 19.92% | 10.66% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 18.65% | 18.65% | 19.90% | 10.61% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 18.66% | 18.66% | 19.91% | 10.54% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 18.54% | 18.54% | 19.79% | 10.58% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 18.55% | 18.55% | 19.80% | 10.70% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 18.52% | 18.52% | 19.78% | 10.46% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 18.51% | 18.51% | 19.76% | 10.39% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 18.28% | 18.28% | 19.53% | 10.39% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 18.39% | 18.39% | 19.65% | 10.42% | 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 |
|---|---|---|---|---|---|---|
| TrustCo Bank (this bank) | Risk-based | 14.48% | 14.48% | 15.73% | 8.38% | |
| Horizon Bank | $6.55B | Risk-based | 12.60% | 12.60% | 13.60% | 10.52% |
| The Washington Trust Company, of Westerly | $6.55B | Risk-based | 12.22% | 12.22% | 13.15% | 8.92% |
| United Fidelity Bank, FSB | $6.49B | Risk-based | 11.08% | 13.26% | 15.09% | 10.16% |
| SMBC Manubank | $6.60B | Risk-based | 23.92% | 23.92% | 24.05% | 9.63% |
| First Bank | $6.65B | Risk-based | 13.06% | 13.06% | 13.98% | 9.67% |
| Choice Financial Group | $6.38B | CBLR | NA | NA | NA | 10.84% |
| Northbrook Bank & Trust Company, N.A. | $6.37B | Risk-based | 11.16% | 11.16% | 11.84% | 9.38% |
| Midland States Bank | $6.69B | Risk-based | 13.59% | 13.59% | 14.84% | 10.08% |
| Alpine Bank | $6.69B | Risk-based | 15.21% | 15.21% | 16.42% | 11.02% |
| Heartland Bank and Trust Company | $6.72B | Risk-based | 14.75% | 14.75% | 15.80% | 11.94% |
| Peer 25th percentile | 12.22% | 12.60% | 13.60% | 9.64% | ||
| Peer median | 13.06% | 13.26% | 14.84% | 10.12% | ||
| Peer 75th percentile | 14.75% | 14.75% | 15.80% | 10.76% | ||
| This bank's percentile | 67 | 67 | 67 | 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/677176/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.