Wayne Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.22% (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: 4.22% (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 11.09% +4.59 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 | $256.1M | 256,106 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.31B | 2,308,778 | RCOAA223 |
| Recomputed ratio | 11.09% | numerator / denominator | |
| Filed ratio | 11.09% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.59 pp | $106.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.09% +3.09 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 | $256.1M | 256,106 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.31B | 2,308,778 | RCOAA223 |
| Recomputed ratio | 11.09% | numerator / denominator | |
| Filed ratio | 11.09% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.09 pp | $71.4M | capital that could be lost first |
Total risk-based capital ratio 12.22% +2.22 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 | $282.2M | 282,167 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.31B | 2,308,778 | RCOAA223 |
| Recomputed ratio | 12.22% | numerator / denominator | |
| Filed ratio | 12.22% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.22 pp | $51.3M | capital that could be lost first |
Tier 1 leverage ratio 8.82% +3.82 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 | $256.1M | 256,106 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.90B | 2,902,958 | RCOAA224 |
| Recomputed ratio | 8.82% | numerator / denominator | |
| Filed ratio | 8.82% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.82 pp | $111.0M | 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 | 201,995 | 201,922 | 150,893 | 150,831 | 150,769 | 150,707 | RCOAP742 |
| Retained earnings | 94,155 | 88,143 | 88,137 | 83,244 | 102,257 | 98,601 | RCOAKW00 |
| Accumulated other comprehensive income | (24,543) | (24,132) | (21,343) | (23,708) | (27,505) | (28,684) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 271,607 | 265,933 | 217,687 | 210,367 | 225,521 | 220,624 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (15,501) | (16,078) | (8,537) | (7,459) | (3,675) | (2,511) | P859 - P840 |
| Common equity Tier 1 capital | 256,106 | 249,855 | 209,150 | 202,908 | 221,846 | 218,113 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 256,106 | 249,855 | 209,150 | 202,908 | 221,846 | 218,113 | RCOA8274 |
| Tier 2 capital | 26,061 | 24,686 | 19,646 | 19,764 | 20,871 | 20,296 | RCOA5311 |
| Allowance includable in Tier 2 capital | 26,061 | 24,686 | 19,646 | 19,764 | 20,871 | 20,296 | RCOA5310 |
| Total capital | 282,167 | 274,541 | 228,796 | 222,672 | 242,717 | 238,409 | RCOA3792 |
| Total risk-weighted assets | 2,308,778 | 2,268,947 | 1,893,917 | 1,858,829 | 1,832,900 | 1,812,568 | RCOAA223 |
| Average total assets for the leverage ratio | 2,902,958 | 2,851,402 | 2,441,940 | 2,369,533 | 2,362,078 | 2,326,274 | 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 | $57.1M | $3.2M | 5.53% | 0.14% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $470.7M | $89.9M | 19.11% | 3.90% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $579.0M | $328.4M | 56.71% | 14.22% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $1.0M | $1.5M | 150.00% | 0.07% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $25.3M | $37.9M | 150.00% | 1.64% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.66B | $1.66B | 100.00% | 71.79% | RC-R Part II, item 4.d, 5.d |
| All other assets | $118.4M | $111.5M | 94.17% | 4.83% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $48.0M | $48.0M | 100.00% | 2.08% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $17.1M | $17.1M | 100.00% | 0.74% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $13.8M | NA | 0.60% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.29B | does not tie to item 31 ($2.30B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.31B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.31B | 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 | 11.09% | 11.09% | 12.22% | 8.82% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.01% | 11.01% | 12.10% | 8.76% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.04% | 11.04% | 12.08% | 8.56% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 10.92% | 10.92% | 11.98% | 8.56% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.10% | 12.10% | 13.24% | 9.39% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.03% | 12.03% | 13.15% | 9.38% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.30% | 12.30% | 13.39% | 9.33% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.66% | 11.66% | 12.70% | 8.97% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.87% | 11.87% | 12.87% | 8.88% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.93% | 11.93% | 12.96% | 8.93% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.95% | 11.95% | 13.02% | 8.98% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.90% | 11.90% | 12.78% | 9.17% | 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 |
|---|---|---|---|---|---|---|
| Wayne Bank (this bank) | Risk-based | 11.09% | 11.09% | 12.22% | 8.82% | |
| Cedar Rapids Bank and Trust Company | $2.90B | Risk-based | 13.15% | 13.15% | 13.86% | 16.94% |
| National Exchange Bank and Trust | $2.89B | CBLR | NA | NA | NA | 20.06% |
| American First National Bank | $2.89B | Risk-based | 16.38% | 16.38% | 17.44% | 14.38% |
| NexTier Bank, N.A. | $2.93B | Risk-based | 12.11% | 12.11% | 13.27% | 9.64% |
| Merchants Bank, N.A. | $2.88B | Risk-based | 13.46% | 13.46% | 14.60% | 11.49% |
| West Texas National Bank | $2.88B | Risk-based | 16.75% | 16.75% | 18.01% | 10.52% |
| Jefferson Bank | $2.88B | CBLR | NA | NA | NA | 9.81% |
| Bryant Bank | $2.94B | Risk-based | 18.98% | 18.98% | 19.93% | 9.53% |
| Minnwest Bank | $2.94B | Risk-based | 12.08% | 12.08% | 13.33% | 10.80% |
| Peer 25th percentile | 12.63% | 12.63% | 13.60% | 9.81% | ||
| Peer median | 13.46% | 13.46% | 14.60% | 10.80% | ||
| Peer 75th percentile | 16.56% | 16.56% | 17.73% | 14.38% | ||
| This bank's percentile | 0 | 0 | 0 | 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/59316/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.