5STAR Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 17.24% +8.24 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $64.0M | 63,995 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $371.1M | 371,137 | RCOAA224 |
| Recomputed ratio | 17.24% | numerator / denominator | |
| Filed ratio | 17.24% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +8.24 pp | $30.6M | 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 | 31,350 | 31,350 | 31,350 | 31,350 | 31,350 | 31,350 | RCOAP742 |
| Retained earnings | 33,375 | 36,447 | 34,609 | 33,293 | 32,783 | 31,338 | RCOAKW00 |
| Accumulated other comprehensive income | (340) | (473) | (498) | (610) | (1,594) | (1,387) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 64,385 | 67,324 | 65,461 | 64,033 | 62,539 | 61,301 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (390) | (259) | (251) | (151) | 822 | 608 | P859 - P840 |
| Common equity Tier 1 capital | 63,995 | 67,065 | 65,210 | 63,882 | 63,361 | 61,909 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 63,995 | 67,065 | 65,210 | 63,882 | 63,361 | 61,909 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 371,137 | 361,499 | 395,743 | 398,963 | 399,574 | 366,077 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 17.24% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 18.55% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 16.48% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 16.01% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 15.86% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 16.91% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 16.67% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 16.08% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 15.39% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 15.39% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 15.56% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 16.11% | 14.65% | 14.67% | 15.79% | 10.60% |
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 |
|---|---|---|---|---|---|---|
| 5STAR Bank (this bank) | CBLR | NA | NA | NA | 17.24% | |
| Bank of Commerce & Trust Company | $377.9M | CBLR | NA | NA | NA | 11.10% |
| North Star Bank | $378.7M | CBLR | NA | NA | NA | 11.00% |
| Bank of O'Fallon | $377.5M | Risk-based | 23.12% | 23.12% | 24.38% | 13.82% |
| Bank of Hays | $379.2M | CBLR | NA | NA | NA | 9.97% |
| Merchants & Planters Bank | $379.4M | CBLR | NA | NA | NA | 10.15% |
| Banner Capital Bank | $379.8M | Risk-based | 11.96% | 11.96% | 13.21% | 10.96% |
| Pine Country Bank | $380.3M | Risk-based | 14.31% | 14.31% | 15.30% | 10.24% |
| Lamar National Bank | $375.9M | CBLR | NA | NA | NA | 10.64% |
| Crossroads Bank | $380.7M | CBLR | NA | NA | NA | 11.64% |
| Peoples Bank of Kankakee County | $375.6M | Risk-based | 12.02% | 12.02% | 12.93% | 7.67% |
| Peer 25th percentile | 12.00% | 12.00% | 13.14% | 10.17% | ||
| Peer median | 13.16% | 13.16% | 14.26% | 10.80% | ||
| Peer 75th percentile | 16.52% | 16.52% | 17.57% | 11.08% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/455253/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.