United Roosevelt Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.27% (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: 6.27% (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 13.29% +6.79 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 | $34.6M | 34,603 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $260.3M | 260,335 | RCOAA223 |
| Recomputed ratio | 13.29% | numerator / denominator | |
| Filed ratio | 13.29% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.79 pp | $17.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.29% +5.29 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 | $34.6M | 34,603 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $260.3M | 260,335 | RCOAA223 |
| Recomputed ratio | 13.29% | numerator / denominator | |
| Filed ratio | 13.29% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.29 pp | $13.8M | capital that could be lost first |
Total risk-based capital ratio 14.27% +4.27 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 | $37.1M | 37,141 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $260.3M | 260,335 | RCOAA223 |
| Recomputed ratio | 14.27% | numerator / denominator | |
| Filed ratio | 14.27% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.27 pp | $11.1M | capital that could be lost first |
Tier 1 leverage ratio 9.11% +4.11 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 | $34.6M | 34,603 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $379.9M | 379,917 | RCOAA224 |
| Recomputed ratio | 9.11% | numerator / denominator | |
| Filed ratio | 9.11% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.11 pp | $15.6M | 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 | 13,700 | 14,047 | 6,490 | 6,490 | 6,490 | 6,090 | RCOAP742 |
| Retained earnings | 20,903 | 20,571 | 20,052 | 19,800 | 19,597 | 19,451 | RCOAKW00 |
| Accumulated other comprehensive income | (666) | (578) | (470) | (1,189) | (1,376) | (1,417) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 33,937 | 34,040 | 26,072 | 25,101 | 24,711 | 24,124 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 666 | 578 | 470 | 1,189 | 1,376 | 1,417 | P859 - P840 |
| Common equity Tier 1 capital | 34,603 | 34,618 | 26,542 | 26,290 | 26,087 | 25,541 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 34,603 | 34,618 | 26,542 | 26,290 | 26,087 | 25,541 | RCOA8274 |
| Tier 2 capital | 2,538 | 2,466 | 2,367 | 2,053 | 1,755 | 1,555 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,538 | 2,466 | 2,367 | 2,053 | 1,755 | 1,555 | RCOA5310 |
| Total capital | 37,141 | 37,084 | 28,909 | 28,343 | 27,842 | 27,096 | RCOA3792 |
| Total risk-weighted assets | 260,335 | 257,050 | 249,562 | 237,007 | 219,211 | 215,444 | RCOAA223 |
| Average total assets for the leverage ratio | 379,917 | 387,260 | 359,477 | 340,995 | 330,201 | 316,823 | 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 | $6.0M | $1.1M | 18.93% | 0.44% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $38.0M | $11.2M | 29.54% | 4.32% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $183.3M | $91.7M | 50.01% | 35.21% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $136.8M | $136.8M | 100.00% | 52.53% | RC-R Part II, item 4.d, 5.d |
| All other assets | $20.3M | $17.9M | 88.14% | 6.86% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.7M | $1.7M | 100.00% | 0.64% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $260.3M | ties to item 31 ($260.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $260.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $260.3M | 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 | 13.29% | 13.29% | 14.27% | 9.11% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.47% | 13.47% | 14.43% | 8.94% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.64% | 10.64% | 11.58% | 7.38% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.09% | 11.09% | 11.96% | 7.71% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.90% | 11.90% | 12.70% | 7.90% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.86% | 11.86% | 12.58% | 8.06% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.87% | 11.87% | 12.58% | 8.05% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.61% | 11.61% | 12.33% | 8.01% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.03% | 12.03% | 12.77% | 8.31% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.42% | 12.42% | 13.16% | 8.56% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.55% | 12.55% | 13.32% | 8.72% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.71% | 12.71% | 13.51% | 9.22% | 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 |
|---|---|---|---|---|---|---|
| United Roosevelt Savings Bank (this bank) | Risk-based | 13.29% | 13.29% | 14.27% | 9.11% | |
| Esb Financial | $381.3M | Risk-based | 12.44% | 12.44% | 13.40% | 9.07% |
| RSNB Bank | $381.0M | CBLR | NA | NA | NA | 11.85% |
| Guaranty State Bank and Trust Company | $381.4M | CBLR | NA | NA | NA | 11.60% |
| First Federal Savings & Loan Association of Pascagoula-Moss Point | $381.4M | CBLR | NA | NA | NA | 9.72% |
| Crossroads Bank | $380.7M | CBLR | NA | NA | NA | 11.64% |
| Lakeside Bank | $381.9M | Risk-based | 14.79% | 14.79% | 16.03% | 9.69% |
| City Bank & Trust Co. | $382.0M | Risk-based | 17.75% | 17.75% | 18.78% | 11.35% |
| Pine Country Bank | $380.3M | Risk-based | 14.31% | 14.31% | 15.30% | 10.24% |
| Commercial Bank | $382.2M | Risk-based | 16.24% | 16.24% | 17.45% | 8.33% |
| Peer 25th percentile | 14.31% | 14.31% | 15.30% | 9.69% | ||
| Peer median | 14.79% | 14.79% | 16.03% | 10.24% | ||
| Peer 75th percentile | 16.24% | 16.24% | 17.45% | 11.60% | ||
| This bank's percentile | 20 | 20 | 20 | 22 |
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/644776/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.