VeraBank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 10.50% (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: 10.50% (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 17.27% +10.77 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 | $497.9M | 497,939 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.88B | 2,883,670 | RCOAA223 |
| Recomputed ratio | 17.27% | numerator / denominator | |
| Filed ratio | 17.27% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.77 pp | $310.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 17.27% +9.27 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 | $497.9M | 497,939 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.88B | 2,883,670 | RCOAA223 |
| Recomputed ratio | 17.27% | numerator / denominator | |
| Filed ratio | 17.27% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +9.27 pp | $267.2M | capital that could be lost first |
Total risk-based capital ratio 18.50% +8.50 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 | $533.4M | 533,440 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.88B | 2,883,670 | RCOAA223 |
| Recomputed ratio | 18.50% | numerator / denominator | |
| Filed ratio | 18.50% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +8.50 pp | $245.1M | capital that could be lost first |
Tier 1 leverage ratio 11.03% +6.03 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 | $497.9M | 497,939 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $4.52B | 4,515,437 | RCOAA224 |
| Recomputed ratio | 11.03% | numerator / denominator | |
| Filed ratio | 11.03% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.03 pp | $272.2M | 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 | 236,436 | 236,436 | 236,436 | 236,436 | 236,436 | 236,436 | RCOAP742 |
| Retained earnings | 295,239 | 292,875 | 277,383 | 259,199 | 246,288 | 228,152 | RCOAKW00 |
| Accumulated other comprehensive income | (9,610) | (9,735) | (7,765) | (8,809) | (13,351) | (9,429) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 522,065 | 519,576 | 506,054 | 486,826 | 469,373 | 455,159 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (24,126) | (24,247) | (26,464) | (25,666) | (21,370) | (24,299) | P859 - P840 |
| Common equity Tier 1 capital | 497,939 | 495,329 | 479,590 | 461,160 | 448,003 | 430,860 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 497,939 | 495,329 | 479,590 | 461,160 | 448,003 | 430,860 | RCOA8274 |
| Tier 2 capital | 35,501 | 34,964 | 34,857 | 34,462 | 35,590 | 35,609 | RCOA5311 |
| Allowance includable in Tier 2 capital | 35,501 | 34,964 | 34,857 | 34,462 | 35,590 | 35,609 | RCOA5310 |
| Total capital | 533,440 | 530,293 | 514,447 | 495,622 | 483,593 | 466,469 | RCOA3792 |
| Total risk-weighted assets | 2,883,670 | 2,866,289 | 2,813,031 | 2,817,642 | 2,846,427 | 2,848,155 | RCOAA223 |
| Average total assets for the leverage ratio | 4,515,437 | 4,456,963 | 4,394,051 | 4,276,755 | 4,276,013 | 4,283,700 | 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 | $856.0M | $6.0M | 0.70% | 0.21% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $710.1M | $139.8M | 19.69% | 4.85% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $948.0M | $498.9M | 52.62% | 17.30% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $23.0M | $34.5M | 150.00% | 1.20% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $21.1M | $31.7M | 150.00% | 1.10% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.81B | $1.81B | 100.00% | 62.78% | RC-R Part II, item 4.d, 5.d |
| All other assets | $225.2M | $209.7M | 93.12% | 7.27% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $148.6M | $143.6M | 96.58% | 4.98% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $9.3M | NA | 0.32% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.87B | does not tie to item 31 ($2.88B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.88B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.88B | 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 | 17.27% | 17.27% | 18.50% | 11.03% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 17.28% | 17.28% | 18.50% | 11.11% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 17.05% | 17.05% | 18.29% | 10.91% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 16.37% | 16.37% | 17.59% | 10.78% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 15.74% | 15.74% | 16.99% | 10.48% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 15.13% | 15.13% | 16.38% | 10.06% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.81% | 14.81% | 16.06% | 9.75% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 14.20% | 14.20% | 15.45% | 9.66% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 14.65% | 14.65% | 15.90% | 10.15% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 14.44% | 14.44% | 15.68% | 10.07% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 14.06% | 14.06% | 15.28% | 9.83% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 14.04% | 14.04% | 15.27% | 9.33% | 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 |
|---|---|---|---|---|---|---|
| VeraBank, N.A. (this bank) | Risk-based | 17.27% | 17.27% | 18.50% | 11.03% | |
| International Bank of Commerce | $4.56B | Risk-based | 28.73% | 28.73% | 29.98% | 14.46% |
| Hingham Institution for Savings | $4.56B | Risk-based | 14.69% | 14.69% | 15.54% | 11.19% |
| PeoplesBank | $4.62B | Risk-based | 12.39% | 12.39% | 13.01% | 9.26% |
| First National Bank Texas dba First Convenience Bank | $4.64B | Risk-based | 19.71% | 19.71% | 20.98% | 9.12% |
| First State Community Bank | $4.51B | Risk-based | 14.35% | 14.35% | 15.43% | 11.68% |
| The Fidelity Bank | $4.66B | Risk-based | 16.56% | 16.56% | 17.81% | 11.47% |
| Erebor Bank, N.A. | $4.66B | CBLR | NA | NA | NA | 38.81% |
| Texas Exchange Bank | $4.49B | Risk-based | 30.06% | 30.06% | 30.82% | 12.44% |
| First Federal Bank | $4.49B | Risk-based | 20.56% | 20.56% | 21.06% | 10.83% |
| Metro City Bank | $4.47B | Risk-based | 17.14% | 17.14% | 18.04% | 11.08% |
| Peer 25th percentile | 14.69% | 14.69% | 15.54% | 10.89% | ||
| Peer median | 17.14% | 17.14% | 18.04% | 11.33% | ||
| Peer 75th percentile | 20.56% | 20.56% | 21.06% | 12.25% | ||
| This bank's percentile | 56 | 56 | 56 | 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/56351/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.