West Coast Community Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.40% (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: 6.40% (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 13.15% +6.65 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 | $340.4M | 340,397 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.59B | 2,588,789 | RCOAA223 |
| Recomputed ratio | 13.15% | numerator / denominator | |
| Filed ratio | 13.15% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.65 pp | $172.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.15% +5.15 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 | $340.4M | 340,397 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.59B | 2,588,789 | RCOAA223 |
| Recomputed ratio | 13.15% | numerator / denominator | |
| Filed ratio | 13.15% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.15 pp | $133.3M | capital that could be lost first |
Total risk-based capital ratio 14.40% +4.40 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 | $372.8M | 372,826 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.59B | 2,588,789 | RCOAA223 |
| Recomputed ratio | 14.40% | numerator / denominator | |
| Filed ratio | 14.40% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.40 pp | $113.9M | capital that could be lost first |
Tier 1 leverage ratio 12.05% +7.05 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 | $340.4M | 340,397 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.83B | 2,825,946 | RCOAA224 |
| Recomputed ratio | 12.05% | numerator / denominator | |
| Filed ratio | 12.05% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.05 pp | $199.1M | 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 | 218,599 | 217,678 | 217,338 | 217,043 | 216,802 | 216,164 | RCOAP742 |
| Retained earnings | 183,737 | 182,329 | 169,130 | 167,280 | 160,189 | 151,280 | RCOAKW00 |
| Accumulated other comprehensive income | (5,707) | (5,450) | (3,871) | (5,989) | (8,989) | (9,783) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 396,629 | 394,557 | 382,597 | 378,334 | 368,002 | 357,661 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (56,232) | (57,476) | (60,041) | (58,914) | (56,982) | (57,256) | P859 - P840 |
| Common equity Tier 1 capital | 340,397 | 337,081 | 322,556 | 319,420 | 311,020 | 300,405 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 340,397 | 337,081 | 322,556 | 319,420 | 311,020 | 300,405 | RCOA8274 |
| Tier 2 capital | 32,429 | 31,667 | 31,019 | 30,037 | 29,554 | 28,981 | RCOA5311 |
| Allowance includable in Tier 2 capital | 32,429 | 31,667 | 31,019 | 30,037 | 29,554 | 28,981 | RCOA5310 |
| Total capital | 372,826 | 368,748 | 353,575 | 349,457 | 340,574 | 329,386 | RCOA3792 |
| Total risk-weighted assets | 2,588,789 | 2,527,580 | 2,471,363 | 2,393,651 | 2,358,076 | 2,312,309 | RCOAA223 |
| Average total assets for the leverage ratio | 2,825,946 | 2,813,769 | 2,848,886 | 2,721,131 | 2,602,780 | 2,603,179 | 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 | $147.0M | $5.8M | 3.93% | 0.22% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $397.1M | $77.3M | 19.47% | 2.98% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $146.1M | $92.8M | 63.52% | 3.58% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $14.1M | $13.8M | 97.78% | 0.53% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $11.3M | $17.0M | 150.00% | 0.65% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.10B | $2.02B | 96.17% | 77.84% | RC-R Part II, item 4.d, 5.d |
| All other assets | $104.6M | $92.8M | 88.73% | 3.58% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $269.1M | $269.1M | 100.00% | 10.37% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $6.3M | NA | 0.24% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.59B | ties to item 31 ($2.59B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.59B | RCONB704 |
| Less: excess allowance for credit losses | $5.6M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.59B | 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 | 13.15% | 13.15% | 14.40% | 12.05% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.34% | 13.34% | 14.59% | 11.98% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.05% | 13.05% | 14.31% | 11.32% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.34% | 13.34% | 14.60% | 11.74% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.19% | 13.19% | 14.44% | 11.95% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.99% | 12.99% | 14.24% | 11.54% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.74% | 12.74% | 13.99% | 10.94% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 15.34% | 15.34% | 16.60% | 13.61% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 14.93% | 14.93% | 16.18% | 13.36% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 14.58% | 14.58% | 15.84% | 12.66% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.69% | 13.69% | 14.95% | 12.07% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.52% | 13.52% | 14.78% | 11.62% | 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 |
|---|---|---|---|---|---|---|
| West Coast Community Bank (this bank) | Risk-based | 13.15% | 13.15% | 14.40% | 12.05% | |
| First Federal Savings and Loan Association of Lakewood | $2.94B | Risk-based | 11.93% | 11.93% | 12.92% | 8.37% |
| Minnwest Bank | $2.94B | Risk-based | 12.08% | 12.08% | 13.33% | 10.80% |
| Texas Regional Bank | $2.95B | Risk-based | 12.06% | 12.06% | 13.08% | 8.77% |
| Bryant Bank | $2.94B | Risk-based | 18.98% | 18.98% | 19.93% | 9.53% |
| NexTier Bank, N.A. | $2.93B | Risk-based | 12.11% | 12.11% | 13.27% | 9.64% |
| TIB, N.A. | $2.96B | Risk-based | 20.49% | 20.49% | 21.75% | 13.22% |
| Fidelity Bank | $2.97B | Risk-based | 13.16% | 13.16% | 14.28% | 9.50% |
| First Fidelity Bank | $2.98B | CBLR | NA | NA | NA | 10.22% |
| Wayne Bank | $2.91B | Risk-based | 11.09% | 11.09% | 12.22% | 8.82% |
| Maine Community Bank | $2.98B | CBLR | NA | NA | NA | 10.11% |
| Peer 25th percentile | 12.02% | 12.02% | 13.04% | 8.99% | ||
| Peer median | 12.10% | 12.10% | 13.30% | 9.59% | ||
| Peer 75th percentile | 14.61% | 14.61% | 15.69% | 10.19% | ||
| This bank's percentile | 62 | 62 | 75 | 90 |
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/3235410/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.