bankcalcs.net

Bank Management Calculators

Amounts:

Use Bank Lookup to find a bank. Bank Management data loads from public FFIEC Call Report data when available, with FDIC as fallback.

Bank Lookup^a City State FDIC Cert Matching Banks Reporting Quarter^b

Accounting Equation Assets = Liabilities + Equity

Reported Risk-Weighted Assets (RWA) BreakdownBank lookup / Schedule RC-R Part II

Filed categories and reconciliation^f Reported exposure and risk-weighted amounts

Using bank lookup? Filed RC-R Part II categories populate when available. Edit an exposure to recalculate that row using the listed risk weight.

Bucket and common items	Risk weight	Risk-weighted amount
0% — Cash / Fed / TreasuriesVault cash, Fed balances, direct U.S. Treasury obligations.	× 0%	$0
2% — Special RC-R categoryUse only when the exposure is reported in this category.	× 2%	$0
4% — Special RC-R categoryUse only when the exposure is reported in this category.	× 4%	$0
10% — Special RC-R categoryUse only when the exposure is reported in this category.	× 10%	$0
20% — Banks / GSEsBank balances, qualifying GSE debt, qualifying guaranteed portions.	× 20%	$0
50% — Qualifying mortgagesMost qualifying 1–4 family first liens; certain revenue bonds.	× 50%	$0
100% — Most other assetsMost business and consumer loans, premises, OREO, other assets.	× 100%	$0
150% — Higher-risk assetsHVCRE; certain loans 90+ days past due or on nonaccrual.	× 150%	$0
250% — Selected capital itemsCertain MSAs, temporary-difference DTAs, and financial-institution investments not deducted.	× 250%	$0
300% — Publicly traded equityEquity exposures assigned the 300% simple risk weight.	× 300%	$0
400% — Non-public equityEquity exposures assigned the 400% simple risk weight.	× 400%	$0
600% — Certain equity / fund exposuresUse when RC-R assigns the 600% category.	× 600%	$0
625% — Special RC-R categoryUse only when the exposure is reported in this category.	× 625%	$0
937.5% — Special RC-R categoryUse only when the exposure is reported in this category.	× 937.5%	$0
1250% — Deduction-equivalent exposuresCertain securitizations and other exposures assigned the highest standard weight.	× 1250%	$0
Category-weighted subtotal		$0

Reconcile to Total Risk-Weighted Assets (RWA)

Category subtotal$0 + Other RC-R methods + Market Risk-Weighted Assets (RWA) − Excess AACL − Transfer-risk reserve = Total Risk-Weighted Assets (RWA)$0

Important: This view follows the bank's filed Schedule RC-R Part II categories. Missing category detail is not estimated.

Risk-Weighted Assets (RWA) EstimatorQuick learning tool

Estimate Risk-Weighted Assets (RWA)^f Exposure amount × risk weight = estimated Risk-Weighted Assets (RWA)

How to use it

Start with period-end balances and place each amount in the best-fitting row.
Split mixed accounts and enter each dollar only once.
For off-balance-sheet items, enter the credit-equivalent amount.

Common bucket	Exposure amount	Risk weight	Estimated Risk-Weighted Assets (RWA)
0% — Cash / Fed / U.S. TreasuriesVault cash, reserve bank balances, direct U.S. government obligations.		× 0%	$0
20% — Banks / GSEsBalances due from banks, qualifying GSE securities, qualifying guaranteed portions.		× 20%	$0
50% — Qualifying mortgagesEligible first-lien 1–4 family mortgages; certain qualifying revenue bonds.		× 50%	$0
100% — Most loans and other assetsMost commercial and consumer loans, premises, OREO, and other assets.		× 100%	$0
150% — Higher-risk loansCertain past-due or nonaccrual exposures and HVCRE.		× 150%	$0
Totals	$0		$0

Estimated average risk weight: 0.00%

Learning estimate: These five rows cover common community-bank exposures. Use the Schedule RC-R instructions for unusual weights, deductions, market-risk amounts, or regulatory reporting.

Expand Regulatory Capital Ratio Table ^h

Category	Total Capital Ratio	Tier 1 Capital Ratio	CET1 Ratio	Leverage Ratio
Well Capitalized	10.00% or greater	8.00% or greater	6.50% or greater	5.00% or greater
Adequately Capitalized	8.00% or greater	6.00% or greater	4.50% or greater	4.00% or greater
Undercapitalized	Less than 8.00%	Less than 6.00%	Less than 4.50%	Less than 4.00%
Significantly Undercapitalized	Less than 6.00%	Less than 4.00%	Less than 3.00%	Less than 3.00%
Critically Undercapitalized	Tangible equity to total assets equal to or less than 2.00%.

Signal appears after the needed capital amounts and denominators are entered or loaded.

Reference only. Capital category treatment may also depend on enforcement orders, supervisory reclassification, community bank leverage ratio election, or advanced-approaches rules.

Net Income Before Taxⁿ Interest Income + Noninterest Income - Interest Expense - Noninterest Expense + Other Income = $0.00

Net Interest Income Interest Income - Interest Expense = $0.00

Net Interest Income (Tax Equivalent) = $0.00

Credit Analysis Calculators

Payment Calculators

Displayed payment amounts are rounded to cents. Amortization tables may adjust the final payment by a few cents so the ending balance reaches zero.

Payoff Calculator

(This calculator only provides monthly payment frequency.)

This calculator is for loans with defined terms where repayment has been irregular. Use it to estimate how received payments apply to interest and principal, and what remains owed. Enter original terms and actual payments/dates below.

Original Loan Amount Rate Term Months Loan Date First Payment Date Payoff Date Day Count

Original Maturity Date: XX/XX/XXXX. Original Payment Amount: $0.00.

Payment Date	Payment	Days	Accrued Interest	Interest Paid	Principal Paid	Unpaid Interest	Principal Balance
		0	$0.00	$0.00	$0.00	$0.00	$0.00
		0	$0.00	$0.00	$0.00	$0.00	$0.00
		0	$0.00	$0.00	$0.00	$0.00	$0.00

Total	$0.00		$0.00	$0.00	$0.00	$0.00	$0.00
Payoff Total							$0.00

Useful Links

Be Informed

Government Tools

Bank Holiday Calendars

Click the link below to add bank holidays directly to your iPhone calendar, or email the downloaded file to yourself to add later.

On your iPhone, open the downloaded file, tap Add All, create a new calendar named Banking Holidays, then tap Done.

iOS Federal Reserve Bank Holidays (2026-2030)

Source Data

^a Bank Lookup uses the FDIC BankFind Suite API to find FDIC-insured institutions by name, city, state, or certificate number. Bank Management financial fields load from public FFIEC Call Report data when available, with FDIC financial data used as a fallback. FDIC BankFind Suite API Documentation
^b Public FFIEC CDR Call Report bulk data provides the latest available Call Report quarter used for Bank Management financial fields when available. FFIEC CDR Public Data Distribution
^c FFIEC Call Report Schedule RC-R defines Tier 1 and Tier 2 capital components used with total risk-weighted assets in regulatory capital ratio calculations. FFIEC 051 Instructions, Schedule RC-R
^d FFIEC Call Report Schedule RC-R defines the Tier 1 leverage ratio as Tier 1 capital divided by total assets for the leverage ratio. FFIEC 051 Instructions, Schedule RC-R
^e FFIEC Call Report Schedule RC-R defines total risk-based capital ratio as total capital divided by total risk-weighted assets; this same source supports the risk-based capital ratio line. FFIEC 051 Instructions, Schedule RC-R
^f 12 CFR 217.32 and FFIEC Schedule RC-R, Part II, provide standardized risk-weight categories. The calculator follows Schedule RC-R Part II items 23 through 31: reported exposures by category, category-weighted amounts, other calculation methods, market risk-weighted assets (RWA), and applicable deductions used to reach total risk-weighted assets. 12 CFR 217.32 Current FFIEC 051 instructions
^g Tangible common equity ratio is commonly presented as tangible common equity divided by tangible assets; confirm exact treatment of goodwill, intangibles, preferred equity, and AOCI with policy or reporting guidance. OCC Comptroller's Handbook: Capital and Dividends
^h 12 CFR 324.403 provides FDIC-supervised institution capital category definitions for prompt corrective action, including total risk-based capital, Tier 1 risk-based capital, common equity Tier 1, leverage, and critically undercapitalized tangible-equity measures. 12 CFR 324.403
ⁱ FFIEC UBPR liquidity guidance includes Liquid Assets as a percent of Total Assets. FFIEC UBPR User Guide: Liquidity & Funding
^j FFIEC UBPR liquidity guidance includes short-term investment and short-term funding concepts. The Primary Liquidity Ratio here is a simplified management worksheet using cash, securities, pledged securities, fed funds/repo items, and deposits; confirm exact bank-policy definitions before use. FFIEC UBPR User Guide: Liquidity & Funding
^k Non-performing assets are presented here as nonaccrual loans and leases plus loans and leases 90 days or more past due and still accruing plus OREO, using Call Report Schedule RC-N and OREO reporting concepts as a simplified worksheet reference. FDIC: FFIEC 051 Call Report Instructions Federal Reserve: OREO Reporting Guidance
^l Federal Reserve Bank publications describe the Texas Ratio as nonperforming loans plus foreclosed real estate divided by tangible equity capital plus allowance for credit losses or loan-loss reserves. FRED Blog: What is the Texas Ratio? St. Louis Fed: Banking Analytics and the Texas Ratio
^m FFIEC UBPR noninterest income and expense guidance defines efficiency ratio as overhead expense divided by net interest income plus noninterest income. FFIEC UBPR User Guide: Noninterest Income and Expenses
ⁿ FFIEC Schedule RI reports income before applicable income taxes and discontinued operations from interest income, interest expense, provisions for credit losses, noninterest income, securities gains or losses, and noninterest expense. In the shorthand above, Other Income is the amount needed to reconcile those reported lines to reported income before tax; it principally reflects securities gains or losses less the provision for credit losses and may include small rounding differences because Call Report amounts are reported in thousands. OCC earnings guidance references Return on Average Assets (ROAA) and Return on Average Equity (ROAE) as earnings measures. FFIEC 041 June 2026 Reporting Form, Schedule RI OCC Comptroller's Handbook: Earnings
^o FFIEC UBPR asset-yield and funding-cost guidance includes cost of interest-bearing funds as interest expense divided by average interest-bearing funds. FFIEC UBPR User Guide: Asset Yields and Funding Costs
^p FFIEC UBPR summary-ratio guidance includes net interest income as a percentage of average earning assets. This site uses a simplified non-tax-equivalent version. FFIEC UBPR User Guide: Summary Ratios
^q FFIEC UBPR asset-yield and funding-cost guidance supports comparing earning-asset yields with funding costs; this site presents the spread as asset yield less funding cost. FFIEC UBPR User Guide: Asset Yields and Funding Costs
^r OCC: Loan-to-value guidance describes LTV as loan amount divided by collateral/property value. OCC Commercial Real Estate Lending Handbook
^s FDIC commercial lending resources support reviewing borrower leverage, repayment capacity, liquidity, and credit administration as part of commercial credit analysis. FDIC Commercial & Industrial Lending
^t Cap rate is commonly calculated as net operating income divided by property value. Break-even occupancy is presented as operating expenses plus debt service divided by gross potential income. Confirm NOI, occupancy, rent, expense, and valuation definitions against the applicable appraisal, rent roll, underwriting policy, and credit agreement. OCC Commercial Real Estate
^u OCC and FDIC commercial-credit guidance emphasize borrower cash flow, working capital, liquidity, repayment capacity, and debt-service support. These ratios are simplified underwriting calculations and should be checked against borrower financial statements, loan policy, and credit agreement definitions. OCC Small Business Lending FDIC Risk Management Manual of Examination Policies
^v Working-capital cycle formulas commonly use receivable days, inventory days, and payable days to show how long cash is tied up in operations. This site uses simplified ending-balance versions; average balances may be preferable for formal analysis. CFA Institute: Cash Conversion Cycle CFI Financial Analysis Ratios Glossary
^w CFPB: Mortgage amortization uses a standard mathematical formula for principal-and-interest payments; this site applies that payment formula to the entered loan amount, rate, and term, excluding taxes, insurance, and PMI. CFPB mortgage payment explanation
^x Day-count interest calculations use 30/360, Actual/360, or Actual/365 conventions. Confirm the required convention in the note, loan agreement, or bank policy. 12 CFR day-count convention reference