Truxton Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.92% (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: 6.92% (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 14.02% +7.52 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 | $127.4M | 127,441 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $909.0M | 909,002 | RCOAA223 |
| Recomputed ratio | 14.02% | numerator / denominator | |
| Filed ratio | 14.02% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.52 pp | $68.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.02% +6.02 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 | $127.4M | 127,441 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $909.0M | 909,002 | RCOAA223 |
| Recomputed ratio | 14.02% | numerator / denominator | |
| Filed ratio | 14.02% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.02 pp | $54.7M | capital that could be lost first |
Total risk-based capital ratio 14.92% +4.92 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 | $135.6M | 135,641 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $909.0M | 909,002 | RCOAA223 |
| Recomputed ratio | 14.92% | numerator / denominator | |
| Filed ratio | 14.92% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.92 pp | $44.7M | capital that could be lost first |
Tier 1 leverage ratio 9.27% +4.27 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 | $127.4M | 127,441 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.38B | 1,375,494 | RCOAA224 |
| Recomputed ratio | 9.27% | numerator / denominator | |
| Filed ratio | 9.27% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.27 pp | $58.7M | 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 | 33,486 | 33,066 | 32,664 | 32,282 | 31,921 | 31,499 | RCOAP742 |
| Retained earnings | 93,955 | 90,119 | 86,370 | 83,332 | 82,037 | 79,536 | RCOAKW00 |
| Accumulated other comprehensive income | (6,626) | (7,077) | (5,821) | (7,228) | (10,626) | (10,365) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 120,815 | 116,108 | 113,213 | 108,386 | 103,332 | 100,670 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,626 | 7,077 | 5,821 | 7,228 | 10,626 | 10,365 | P859 - P840 |
| Common equity Tier 1 capital | 127,441 | 123,185 | 119,034 | 115,614 | 113,958 | 111,035 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 127,441 | 123,185 | 119,034 | 115,614 | 113,958 | 111,035 | RCOA8274 |
| Tier 2 capital | 8,200 | 7,998 | 8,156 | 7,685 | 7,418 | 7,297 | RCOA5311 |
| Allowance includable in Tier 2 capital | 8,200 | 7,998 | 8,156 | 7,685 | 7,418 | 7,297 | RCOA5310 |
| Total capital | 135,641 | 131,183 | 127,190 | 123,299 | 121,376 | 118,332 | RCOA3792 |
| Total risk-weighted assets | 909,002 | 899,651 | 920,690 | 865,812 | 835,577 | 803,088 | RCOAA223 |
| Average total assets for the leverage ratio | 1,375,494 | 1,391,780 | 1,356,933 | 1,299,272 | 1,217,521 | 1,061,322 | 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 | $16.3M | $2.3M | 13.82% | 0.25% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $221.5M | $44.8M | 20.24% | 4.93% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.5M | $300K | 20.00% | 0.03% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $293.7M | $150.4M | 51.22% | 16.55% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $87K | $87K | 100.00% | 0.01% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $510.0M | $484.6M | 95.03% | 53.32% | RC-R Part II, item 4.d, 5.d |
| All other assets | $54.8M | $49.8M | 90.89% | 5.48% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $115.3M | $103.0M | 89.34% | 11.34% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $5.1M | $3.7M | 72.06% | 0.41% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $69.9M | NA | 7.69% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $839.1M | ties to item 31 ($839.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $909.0M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $909.0M | 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 | 14.02% | 14.02% | 14.92% | 9.27% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.69% | 13.69% | 14.58% | 8.85% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.93% | 12.93% | 13.81% | 8.77% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.35% | 13.35% | 14.24% | 8.90% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.64% | 13.64% | 14.53% | 9.36% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.83% | 13.83% | 14.73% | 10.46% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.88% | 14.88% | 15.83% | 10.63% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 15.17% | 15.17% | 16.11% | 10.46% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 14.62% | 14.62% | 15.55% | 10.45% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 14.26% | 14.26% | 15.19% | 10.40% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 14.50% | 14.50% | 15.45% | 10.53% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 14.11% | 14.11% | 15.04% | 10.36% | 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 |
|---|---|---|---|---|---|---|
| Truxton Trust Company (this bank) | Risk-based | 14.02% | 14.02% | 14.92% | 9.27% | |
| County National Bank | $1.36B | Risk-based | 11.01% | 11.01% | 12.16% | 9.34% |
| FM Bank and Trust | $1.36B | Risk-based | 10.42% | 10.42% | 11.67% | 8.62% |
| Ballston Spa National Bank | $1.37B | Risk-based | 12.52% | 12.52% | 14.66% | 8.74% |
| First Bank of Alabama | $1.36B | Risk-based | 13.37% | 13.37% | 14.35% | 9.82% |
| Southstar Bank, S.S.B. | $1.37B | CBLR | NA | NA | NA | 13.28% |
| Southpoint Bank | $1.36B | Risk-based | 8.91% | 8.91% | 10.18% | 6.86% |
| Century Bank | $1.36B | Risk-based | 12.85% | 12.85% | 13.91% | 10.25% |
| Rosedale Bank | $1.36B | CBLR | NA | NA | NA | 18.61% |
| Community Financial Services Bank | $1.37B | Risk-based | 13.52% | 13.52% | 14.77% | 10.33% |
| The Bank of New York Mellon Trust Company, N.A. | $1.37B | Risk-based | 283.37% | 283.37% | 284.22% | 63.50% |
| Peer 25th percentile | 10.86% | 10.86% | 12.04% | 8.89% | ||
| Peer median | 12.69% | 12.69% | 14.13% | 10.03% | ||
| Peer 75th percentile | 13.41% | 13.41% | 14.69% | 12.55% | ||
| This bank's percentile | 88 | 88 | 88 | 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/3290240/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.