Adrian 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 12.56% +3.56 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 | $25.4M | 25,448 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $202.6M | 202,593 | RCOAA224 |
| Recomputed ratio | 12.56% | numerator / denominator | |
| Filed ratio | 12.56% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.56 pp | $7.2M | 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 | 700 | 700 | 700 | 700 | 700 | 700 | RCOAP742 |
| Retained earnings | 24,748 | 23,792 | 23,078 | 23,238 | 22,868 | 22,053 | RCOAKW00 |
| Accumulated other comprehensive income | (3,764) | (4,260) | (3,766) | (4,403) | (5,657) | (5,982) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 21,684 | 20,232 | 20,012 | 19,535 | 17,911 | 16,771 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,764 | 4,620 | 3,766 | 4,403 | 5,657 | 5,982 | P859 - P840 |
| Common equity Tier 1 capital | 25,448 | 24,852 | 23,778 | 23,938 | 23,568 | 22,753 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 25,448 | 24,852 | 23,778 | 23,938 | 23,568 | 22,753 | RCOA8274 |
| Tier 2 capital | NA | 1,444 | 1,444 | 1,420 | 1,378 | 1,369 | |
| Allowance includable in Tier 2 capital | NA | 1,444 | 1,444 | 1,420 | 1,378 | 1,369 | |
| Total capital | NA | 26,296 | 25,222 | 25,358 | 24,946 | 24,122 | |
| Total risk-weighted assets | NA | 114,949 | 114,923 | 113,072 | 110,021 | 109,341 | |
| Average total assets for the leverage ratio | 202,593 | 197,995 | 193,653 | 191,103 | 186,839 | 186,412 | 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 | 12.56% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 21.62% | 21.62% | 22.88% | 12.55% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 20.69% | 20.69% | 21.95% | 12.28% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 21.17% | 21.17% | 22.43% | 12.53% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 21.42% | 21.42% | 22.67% | 12.61% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 20.81% | 20.81% | 22.06% | 12.21% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 20.29% | 20.29% | 21.54% | 11.98% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 20.61% | 20.61% | 21.86% | 12.09% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 20.60% | 20.60% | 21.85% | 11.89% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 20.82% | 20.82% | 22.08% | 11.73% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 20.55% | 20.55% | 21.80% | 11.49% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 21.20% | 21.20% | 22.45% | 11.62% | 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 |
|---|---|---|---|---|---|---|
| Adrian Bank (this bank) | CBLR | NA | NA | NA | 12.56% | |
| Integro Bank | $195.6M | CBLR | NA | NA | NA | 9.93% |
| Mount Vernon Bank and Trust Company | $195.5M | CBLR | NA | NA | NA | 13.03% |
| The Peoples Bank | $195.9M | Risk-based | 19.74% | 19.74% | 21.00% | 13.59% |
| New Market Bank | $196.0M | Risk-based | 10.10% | 13.07% | 14.25% | 9.11% |
| Farmers State Bank | $196.0M | CBLR | NA | NA | NA | 9.39% |
| The Frederick Community Bank | $196.1M | Risk-based | 19.01% | 19.01% | 19.97% | 10.44% |
| The Seiling State Bank | $195.0M | Risk-based | 13.74% | 13.74% | 15.00% | 10.54% |
| The First National Bank of Waverly | $196.2M | Risk-based | 21.78% | 21.78% | 22.73% | 9.22% |
| First National Bank of Absecon | $195.0M | CBLR | NA | NA | NA | 10.21% |
| Oklahoma Capital Bank | $196.3M | CBLR | NA | NA | NA | 10.39% |
| Peer 25th percentile | 13.74% | 13.74% | 15.00% | 9.53% | ||
| Peer median | 19.01% | 19.01% | 19.97% | 10.30% | ||
| Peer 75th percentile | 19.74% | 19.74% | 21.00% | 10.52% | ||
| This bank's percentile | NA | NA | NA | 80 |
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/94858/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.