Wood & Huston Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.58% (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: 6.58% (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 13.34% +6.84 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 | $143.3M | 143,276 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.07B | 1,074,375 | RCOAA223 |
| Recomputed ratio | 13.34% | numerator / denominator | |
| Filed ratio | 13.34% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.84 pp | $73.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.34% +5.34 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 | $143.3M | 143,276 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.07B | 1,074,375 | RCOAA223 |
| Recomputed ratio | 13.34% | numerator / denominator | |
| Filed ratio | 13.34% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.34 pp | $57.3M | capital that could be lost first |
Total risk-based capital ratio 14.57% +4.58 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 | $156.6M | 156,590 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.07B | 1,074,375 | RCOAA223 |
| Recomputed ratio | 14.57% | numerator / denominator | |
| Filed ratio | 14.57% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.58 pp | $49.2M | capital that could be lost first |
Tier 1 leverage ratio 11.55% +6.55 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 | $143.3M | 143,276 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.24B | 1,240,096 | RCOAA224 |
| Recomputed ratio | 11.55% | numerator / denominator | |
| Filed ratio | 11.55% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.55 pp | $81.3M | 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 | 10,733 | 10,733 | 10,733 | 10,733 | 10,733 | 10,733 | RCOAP742 |
| Retained earnings | 132,543 | 127,157 | 121,687 | 124,763 | 119,082 | 113,818 | RCOAKW00 |
| Accumulated other comprehensive income | (8,047) | (9,215) | (8,737) | (9,387) | (12,226) | (14,138) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 135,229 | 128,675 | 123,683 | 126,109 | 117,589 | 110,413 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 8,047 | 9,215 | 8,737 | 9,387 | 12,226 | 14,138 | P859 - P840 |
| Common equity Tier 1 capital | 143,276 | 137,890 | 132,420 | 135,496 | 129,815 | 124,551 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 143,276 | 137,890 | 132,420 | 135,496 | 129,815 | 124,551 | RCOA8274 |
| Tier 2 capital | 13,314 | 12,816 | 12,897 | 12,617 | 12,657 | 12,527 | RCOA5311 |
| Allowance includable in Tier 2 capital | 13,314 | 12,816 | 12,897 | 12,617 | 12,657 | 12,527 | RCOA5310 |
| Total capital | 156,590 | 150,706 | 145,317 | 148,113 | 142,472 | 137,078 | RCOA3792 |
| Total risk-weighted assets | 1,074,375 | 1,025,150 | 1,050,194 | 1,009,169 | 1,020,229 | 1,002,031 | RCOAA223 |
| Average total assets for the leverage ratio | 1,240,096 | 1,251,029 | 1,226,471 | 1,206,966 | 1,210,936 | 1,245,697 | 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 | $49.8M | $1.5M | 3.00% | 0.14% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $149.6M | $36.2M | 24.17% | 3.37% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.9M | $389K | 20.00% | 0.04% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $224.7M | $136.0M | 60.53% | 12.66% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $35.3M | $53.0M | 150.00% | 4.93% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $1.4M | $2.1M | 150.00% | 0.19% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $734.9M | $734.9M | 100.00% | 68.40% | RC-R Part II, item 4.d, 5.d |
| All other assets | $56.7M | $53.6M | 94.62% | 4.99% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $44.7M | $42.8M | 95.76% | 3.98% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $947K | $947K | 100.00% | 0.09% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $13.0M | NA | 1.21% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.06B | ties to item 31 ($1.06B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.07B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.07B | 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 | 13.34% | 13.34% | 14.57% | 11.55% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.45% | 13.45% | 14.70% | 11.02% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.61% | 12.61% | 13.84% | 10.80% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.43% | 13.43% | 14.68% | 11.23% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.72% | 12.72% | 13.96% | 10.72% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.43% | 12.43% | 13.68% | 10.00% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.95% | 11.95% | 13.21% | 9.88% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.13% | 12.13% | 13.38% | 10.25% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.85% | 11.85% | 13.10% | 10.11% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.56% | 11.56% | 12.81% | 9.58% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.75% | 11.75% | 13.00% | 9.83% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.79% | 11.79% | 13.04% | 9.77% | 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 |
|---|---|---|---|---|---|---|
| Wood & Huston Bank (this bank) | Risk-based | 13.34% | 13.34% | 14.57% | 11.55% | |
| Dayspring Bank | $1.23B | CBLR | NA | NA | NA | 10.71% |
| Midwest Bank | $1.24B | CBLR | NA | NA | NA | 9.40% |
| Firstar Bank | $1.24B | Risk-based | 12.64% | 12.64% | 13.70% | 9.03% |
| Fidelity Bank | $1.23B | Risk-based | 29.16% | 29.16% | 29.96% | 20.32% |
| First State Bank | $1.24B | Risk-based | 17.38% | 17.38% | 18.48% | 10.47% |
| NBKC Bank | $1.24B | Risk-based | 22.05% | 22.05% | 23.30% | 17.13% |
| University Bank | $1.24B | CBLR | NA | NA | NA | 10.08% |
| First Bankers Trust Company, N.A. | $1.22B | Risk-based | 16.13% | 16.13% | 17.08% | 10.00% |
| Pilot Grove Savings Bank | $1.22B | Risk-based | 10.22% | 10.22% | 11.09% | 8.82% |
| Peer 25th percentile | 13.51% | 13.51% | 14.54% | 9.40% | ||
| Peer median | 16.75% | 16.75% | 17.78% | 10.08% | ||
| Peer 75th percentile | 20.88% | 20.88% | 22.09% | 10.71% | ||
| This bank's percentile | 33 | 33 | 33 | 78 |
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/671558/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.