Wellworth Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.98% (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: 6.98% (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 13.79% +7.29 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 | $179.6M | 179,615 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.30B | 1,302,734 | RCOAA223 |
| Recomputed ratio | 13.79% | numerator / denominator | |
| Filed ratio | 13.79% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.29 pp | $94.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.79% +5.79 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 | $179.6M | 179,615 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.30B | 1,302,734 | RCOAA223 |
| Recomputed ratio | 13.79% | numerator / denominator | |
| Filed ratio | 13.79% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.79 pp | $75.4M | capital that could be lost first |
Total risk-based capital ratio 14.98% +4.98 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 | $195.1M | 195,089 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.30B | 1,302,734 | RCOAA223 |
| Recomputed ratio | 14.98% | numerator / denominator | |
| Filed ratio | 14.98% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.98 pp | $64.8M | capital that could be lost first |
Tier 1 leverage ratio 9.92% +4.92 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 | $179.6M | 179,615 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.81B | 1,811,343 | RCOAA224 |
| Recomputed ratio | 9.92% | numerator / denominator | |
| Filed ratio | 9.92% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.92 pp | $89.0M | 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 | 72,326 | 72,326 | 72,326 | 72,326 | 72,326 | 72,326 | RCOAP742 |
| Retained earnings | 124,039 | 120,335 | 117,078 | 113,004 | 109,406 | 106,018 | RCOAKW00 |
| Accumulated other comprehensive income | (15,896) | (16,079) | (14,096) | (16,264) | (20,421) | (22,341) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 180,469 | 176,582 | 175,308 | 169,066 | 161,311 | 156,003 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (854) | (702) | (2,717) | (580) | 3,546 | 5,434 | P859 - P840 |
| Common equity Tier 1 capital | 179,615 | 175,880 | 172,591 | 168,486 | 164,857 | 161,437 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 179,615 | 175,880 | 172,591 | 168,486 | 164,857 | 161,437 | RCOA8274 |
| Tier 2 capital | 15,474 | 14,948 | 14,620 | 14,449 | 14,197 | 14,050 | RCOA5311 |
| Allowance includable in Tier 2 capital | 15,474 | 14,948 | 14,620 | 14,449 | 14,197 | 14,050 | RCOA5310 |
| Total capital | 195,089 | 190,828 | 187,211 | 182,935 | 179,054 | 175,487 | RCOA3792 |
| Total risk-weighted assets | 1,302,734 | 1,273,980 | 1,275,218 | 1,264,563 | 1,247,861 | 1,215,887 | RCOAA223 |
| Average total assets for the leverage ratio | 1,811,343 | 1,769,832 | 1,756,450 | 1,736,856 | 1,705,054 | 1,691,157 | 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 | $76.8M | $3.1M | 4.07% | 0.24% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $429.4M | $77.5M | 18.05% | 5.95% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.0M | $200K | 20.00% | 0.02% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $522.8M | $304.7M | 58.28% | 23.39% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $231K | $346K | 150.00% | 0.03% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $14.1M | $14.1M | 100.00% | 1.08% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $728.3M | $715.0M | 98.18% | 54.89% | RC-R Part II, item 4.d, 5.d |
| All other assets | $79.2M | $75.5M | 95.30% | 5.80% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $127.6M | $105.8M | 82.93% | 8.13% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $6.3M | NA | 0.49% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.30B | does not tie to item 31 ($1.30B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.30B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.30B | 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 | 13.79% | 13.79% | 14.98% | 9.92% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.81% | 13.81% | 14.98% | 9.94% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.53% | 13.53% | 14.68% | 9.83% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.32% | 13.32% | 14.47% | 9.70% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.21% | 13.21% | 14.35% | 9.67% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.28% | 13.28% | 14.43% | 9.55% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.19% | 13.19% | 14.34% | 9.50% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.14% | 13.14% | 14.27% | 9.54% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.24% | 13.24% | 14.38% | 9.62% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.33% | 13.33% | 14.46% | 9.63% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.60% | 13.60% | 14.73% | 9.70% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.72% | 13.72% | 14.87% | 9.72% | 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 |
|---|---|---|---|---|---|---|
| Wellworth Bank (this bank) | Risk-based | 13.79% | 13.79% | 14.98% | 9.92% | |
| The National Bank of Blacksburg | $1.83B | Risk-based | 16.52% | 16.52% | 17.38% | 10.54% |
| North Easton Savings Bank | $1.84B | Risk-based | 16.22% | 16.22% | 16.80% | 11.19% |
| Legacy Bank & Trust Company | $1.85B | CBLR | NA | NA | NA | 11.91% |
| Bank of Clarke | $1.85B | Risk-based | 14.29% | 14.29% | 15.48% | 12.27% |
| First State Bank | $1.85B | Risk-based | 14.08% | 14.08% | 15.18% | 9.61% |
| Cornerstone Bank | $1.85B | Risk-based | 11.28% | 11.28% | 12.44% | 9.63% |
| Independent Bank | $1.85B | Risk-based | 10.22% | 10.22% | 11.05% | 10.60% |
| Bank of New England | $1.82B | CBLR | NA | NA | NA | 16.78% |
| Fall River Five Cents Savings Bank | $1.86B | Risk-based | 11.61% | 11.61% | 12.38% | 8.70% |
| Security National Bank of Omaha | $1.86B | Risk-based | 13.37% | 13.37% | 14.63% | 10.58% |
| Peer 25th percentile | 11.53% | 11.53% | 12.43% | 9.85% | ||
| Peer median | 13.73% | 13.73% | 14.90% | 10.59% | ||
| Peer 75th percentile | 14.77% | 14.77% | 15.81% | 11.73% | ||
| This bank's percentile | 50 | 50 | 50 | 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/63733/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.