WebBank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 11.18% (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: 11.18% (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 18.10% +11.60 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 | $473.6M | 473,610 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.62B | 2,616,917 | RCOAA223 |
| Recomputed ratio | 18.10% | numerator / denominator | |
| Filed ratio | 18.10% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +11.60 pp | $303.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 18.10% +10.10 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 | $473.6M | 473,610 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.62B | 2,616,917 | RCOAA223 |
| Recomputed ratio | 18.10% | numerator / denominator | |
| Filed ratio | 18.10% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +10.10 pp | $264.3M | capital that could be lost first |
Total risk-based capital ratio 19.18% +9.18 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 | $501.8M | 501,825 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.62B | 2,616,917 | RCOAA223 |
| Recomputed ratio | 19.18% | numerator / denominator | |
| Filed ratio | 19.18% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +9.18 pp | $240.1M | capital that could be lost first |
Tier 1 leverage ratio 17.39% +12.39 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 | $473.6M | 473,610 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.72B | 2,724,121 | RCOAA224 |
| Recomputed ratio | 17.39% | numerator / denominator | |
| Filed ratio | 17.39% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +12.39 pp | $337.4M | 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 | 26,590 | 26,590 | 26,475 | 26,475 | 26,475 | 26,475 | RCOAP742 |
| Retained earnings | 451,996 | 437,887 | 417,425 | 397,362 | 379,141 | 364,927 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 478,586 | 464,477 | 443,900 | 423,837 | 405,616 | 391,402 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (4,976) | (5,251) | (5,344) | (5,437) | (5,531) | (5,624) | P859 - P840 |
| Common equity Tier 1 capital | 473,610 | 459,226 | 438,556 | 418,400 | 400,085 | 385,778 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 473,610 | 459,226 | 438,556 | 418,400 | 400,085 | 385,778 | RCOA8274 |
| Tier 2 capital | 28,215 | 25,454 | 23,388 | 25,099 | 25,082 | 23,826 | RCOA5311 |
| Allowance includable in Tier 2 capital | 28,215 | 25,454 | 23,388 | 25,099 | 25,082 | 23,826 | RCOA5310 |
| Total capital | 501,825 | 484,680 | 461,944 | 443,499 | 425,167 | 409,604 | RCOA3792 |
| Total risk-weighted assets | 2,616,917 | 2,472,662 | 2,628,510 | 2,219,201 | 2,040,013 | 2,113,754 | RCOAA223 |
| Average total assets for the leverage ratio | 2,724,121 | 2,709,019 | 2,563,201 | 2,435,433 | 2,146,948 | 2,043,968 | 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 | $59.5M | $982K | 1.65% | 0.04% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $3.6M | $3.6M | 100.00% | 0.14% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $2.3M | $458K | 20.00% | 0.02% | RC-R Part II, item 3.a, 16 |
| Loans: past due and nonaccrual | $12.5M | $18.7M | 150.00% | 0.72% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.42B | $2.17B | 89.50% | 82.77% | RC-R Part II, item 4.d, 5.d |
| All other assets | $143.7M | $143.7M | 100.00% | 5.49% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $203.3M | $203.3M | 100.00% | 7.77% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $80.2M | NA | 3.06% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.54B | does not tie to item 31 ($2.56B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.62B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.62B | 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 | 18.10% | 18.10% | 19.18% | 17.39% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 18.57% | 18.57% | 19.60% | 16.95% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 16.68% | 16.68% | 17.57% | 17.11% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 18.85% | 18.85% | 19.98% | 17.18% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 19.61% | 19.61% | 20.84% | 18.64% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 18.25% | 18.25% | 19.38% | 18.87% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 17.40% | 17.40% | 18.65% | 17.87% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 17.52% | 17.52% | 18.77% | 16.29% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 17.09% | 17.09% | 18.18% | 15.34% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 15.63% | 15.63% | 16.68% | 14.36% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 14.36% | 14.36% | 15.43% | 13.17% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.29% | 13.29% | 14.56% | 12.81% | 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 |
|---|---|---|---|---|---|---|
| WebBank (this bank) | Risk-based | 18.10% | 18.10% | 19.18% | 17.39% | |
| Bank Independent | $2.86B | Risk-based | 13.22% | 13.22% | 14.42% | 9.82% |
| Industrial and Commercial Bank of China (USA), N.A. | $2.86B | Risk-based | 17.53% | 17.53% | 18.27% | 17.26% |
| BayCoast Bank | $2.86B | Risk-based | 10.77% | 10.77% | 12.02% | 8.29% |
| ANB Bank | $2.85B | Risk-based | 14.59% | 14.59% | 15.43% | 9.52% |
| Lakeside Bank | $2.85B | Risk-based | 12.41% | 12.41% | 13.56% | 10.99% |
| Jefferson Bank | $2.88B | CBLR | NA | NA | NA | 9.81% |
| American Momentum Bank | $2.85B | Risk-based | 24.90% | 24.90% | 26.06% | 19.24% |
| Armstrong Bank | $2.84B | Risk-based | 13.89% | 13.89% | 14.97% | 10.42% |
| West Texas National Bank | $2.88B | Risk-based | 16.75% | 16.75% | 18.01% | 10.52% |
| Peer 25th percentile | 13.02% | 13.02% | 14.21% | 9.81% | ||
| Peer median | 14.24% | 14.24% | 15.20% | 10.42% | ||
| Peer 75th percentile | 16.94% | 16.94% | 18.07% | 10.99% | ||
| This bank's percentile | 88 | 88 | 88 | 89 |
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/2576134/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.