Adelphi 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 15.82% +6.82 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 | $18.8M | 18,795 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $118.8M | 118,769 | RCOAA224 |
| Recomputed ratio | 15.82% | numerator / denominator | |
| Filed ratio | 15.82% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +6.82 pp | $8.1M | 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 | 25,630 | 25,572 | 25,532 | 25,435 | 25,338 | 25,242 | RCOAP742 |
| Retained earnings | (6,693) | (6,724) | (6,767) | (6,620) | (6,464) | (6,189) | RCOAKW00 |
| Accumulated other comprehensive income | (80) | (66) | 40 | 25 | 22 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 18,857 | 18,782 | 18,805 | 18,840 | 18,896 | 19,053 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (62) | 57 | (38) | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 18,795 | 18,839 | 18,767 | 18,840 | 18,896 | 19,053 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 18,795 | 18,839 | 18,767 | 18,840 | 18,896 | 19,053 | 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 | 118,769 | 114,058 | 95,668 | 91,491 | 80,389 | 73,329 | 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 | 15.82% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 16.52% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 19.62% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 20.59% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 23.51% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 25.98% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 29.93% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 34.46% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 39.60% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 44.93% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 49.26% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 64.74% | 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 |
|---|---|---|---|---|---|---|
| Adelphi Bank (this bank) | CBLR | NA | NA | NA | 15.82% | |
| The Samson Banking Company | $124.5M | CBLR | NA | NA | NA | 14.76% |
| Princeville State Bank | $124.4M | CBLR | NA | NA | NA | 9.23% |
| State Bank of New Richland | $124.2M | Risk-based | 11.97% | 11.97% | 12.91% | 9.96% |
| DNB National Bank | $124.1M | Risk-based | 22.04% | 22.04% | 22.98% | 8.89% |
| Stockmens National Bank in Cotulla | $124.1M | CBLR | NA | NA | NA | 10.62% |
| Home Banking Company | $124.0M | CBLR | NA | NA | NA | 10.08% |
| Connect Bank | $123.9M | CBLR | NA | NA | NA | 15.92% |
| Lincoln State Bank | $125.1M | CBLR | NA | NA | NA | 10.01% |
| Citizens Bank of Rogersville | $125.2M | CBLR | NA | NA | NA | 11.37% |
| Scottsdale Community Bank | $125.2M | CBLR | NA | NA | NA | 11.37% |
| Peer 25th percentile | 14.49% | 14.49% | 15.43% | 9.97% | ||
| Peer median | 17.00% | 17.00% | 17.95% | 10.35% | ||
| Peer 75th percentile | 19.52% | 19.52% | 20.46% | 11.37% | ||
| This bank's percentile | NA | NA | NA | 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/5777549/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.