U.S. Century Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.68% (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: 5.68% (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 12.48% +5.98 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 | $292.0M | 292,015 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.34B | 2,339,810 | RCOAA223 |
| Recomputed ratio | 12.48% | numerator / denominator | |
| Filed ratio | 12.48% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.98 pp | $139.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.48% +4.48 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 | $292.0M | 292,015 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.34B | 2,339,810 | RCOAA223 |
| Recomputed ratio | 12.48% | numerator / denominator | |
| Filed ratio | 12.48% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.48 pp | $104.8M | capital that could be lost first |
Total risk-based capital ratio 13.68% +3.68 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 | $320.1M | 320,053 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.34B | 2,339,810 | RCOAA223 |
| Recomputed ratio | 13.68% | numerator / denominator | |
| Filed ratio | 13.68% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.68 pp | $86.1M | capital that could be lost first |
Tier 1 leverage ratio 9.97% +4.97 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 | $292.0M | 292,015 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.93B | 2,928,591 | RCOAA224 |
| Recomputed ratio | 9.97% | numerator / denominator | |
| Filed ratio | 9.97% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.97 pp | $145.6M | 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 | 331,640 | 331,640 | 331,640 | 331,640 | 331,640 | 331,640 | RCOAP742 |
| Retained earnings | (36,652) | (44,129) | (53,145) | (53,818) | (61,823) | (68,666) | RCOAKW00 |
| Accumulated other comprehensive income | (31,395) | (31,349) | (30,264) | (37,807) | (41,753) | (41,113) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 263,593 | 256,162 | 248,231 | 240,015 | 228,064 | 221,861 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 28,422 | 26,188 | 25,112 | 33,367 | 34,116 | 30,646 | P859 - P840 |
| Common equity Tier 1 capital | 292,015 | 282,350 | 273,343 | 273,382 | 262,180 | 252,507 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 292,015 | 282,350 | 273,343 | 273,382 | 262,180 | 252,507 | RCOA8274 |
| Tier 2 capital | 28,038 | 27,060 | 26,254 | 25,765 | 25,656 | 25,326 | RCOA5311 |
| Allowance includable in Tier 2 capital | 28,038 | 27,060 | 26,254 | 25,765 | 25,656 | 25,326 | RCOA5310 |
| Total capital | 320,053 | 309,410 | 299,597 | 299,147 | 287,836 | 277,833 | RCOA3792 |
| Total risk-weighted assets | 2,339,810 | 2,216,071 | 2,192,344 | 2,148,264 | 2,106,334 | 2,034,935 | RCOAA223 |
| Average total assets for the leverage ratio | 2,928,591 | 2,858,331 | 2,832,400 | 2,837,669 | 2,715,715 | 2,645,346 | 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 | $118.2M | $52K | 0.04% | 0.00% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $511.3M | $74.4M | 14.55% | 3.18% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $380.1M | $200.7M | 52.81% | 8.58% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $704K | $1.1M | 150.00% | 0.05% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.94B | $1.87B | 96.08% | 79.72% | RC-R Part II, item 4.d, 5.d |
| All other assets | $123.5M | $110.8M | 89.71% | 4.73% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $94.5M | $87.4M | 92.46% | 3.73% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $3.1M | $0 | 0.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $100 | 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 | $2.34B | ties to item 31 ($2.34B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.34B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.34B | 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 | 12.48% | 12.48% | 13.68% | 9.97% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.74% | 12.74% | 13.96% | 9.88% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.47% | 12.47% | 13.67% | 9.65% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.73% | 12.73% | 13.93% | 9.63% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.45% | 12.45% | 13.67% | 9.65% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.41% | 12.41% | 13.65% | 9.55% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.10% | 12.10% | 13.34% | 9.38% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.93% | 11.93% | 13.14% | 9.28% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.82% | 11.82% | 13.01% | 8.94% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.71% | 11.71% | 12.89% | 8.84% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.48% | 11.48% | 12.65% | 9.17% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.93% | 11.93% | 13.06% | 9.24% | 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 |
|---|---|---|---|---|---|---|
| U.S. Century Bank (this bank) | Risk-based | 12.48% | 12.48% | 13.68% | 9.97% | |
| Southern Bancorp Bank | $3.01B | CBLR | NA | NA | NA | 11.85% |
| The Bank of Tampa | $3.02B | Risk-based | 14.52% | 14.52% | 15.77% | 10.97% |
| Northwest Bank | $3.00B | Risk-based | 11.19% | 11.19% | 12.44% | 10.12% |
| Nelnet Bank | $3.00B | CBLR | NA | NA | NA | 15.94% |
| Mascoma Bank | $3.03B | Risk-based | 12.01% | 12.01% | 12.87% | 9.09% |
| The National Bank of Indianapolis | $3.04B | Risk-based | 11.42% | 11.42% | 12.47% | 9.29% |
| Susser Bank | $2.99B | Risk-based | 11.65% | 11.65% | 12.90% | 10.10% |
| Lawrence Bank | $3.04B | Risk-based | 12.86% | 12.86% | 13.77% | 9.78% |
| Maine Community Bank | $2.98B | CBLR | NA | NA | NA | 10.11% |
| First Fidelity Bank | $2.98B | CBLR | NA | NA | NA | 10.22% |
| Peer 25th percentile | 11.48% | 11.48% | 12.57% | 9.86% | ||
| Peer median | 11.83% | 11.83% | 12.88% | 10.12% | ||
| Peer 75th percentile | 12.64% | 12.64% | 13.55% | 10.78% | ||
| This bank's percentile | 67 | 67 | 67 | 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/3146150/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.