[Desert Mariner]

I’m not an engineer but work with several dozen civil/structural engineers. I asked around and the simplified answer I got was, “not necessarily”. There are too many variables, reinforcement sizes, spacing and pattern, beam or wall thickness, concrete compressive strength, etc. have to be taken into consideration to arrive at an answer before any of them would make a definitive statement. In other words. being engineers, they aren’t saying anything until after they calculate it.

That said, I did come across the attached at some time. I think I saved it intending to go down the path you're on now. The paper gets into the math around page 11. If you do end up doing your own calculations, hope this helps.