Alvarez & Marsal Trust Company, N.A.: 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 95.51% +86.51 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 | $9.5M | 9,463 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $9.9M | 9,908 | RCOAA224 |
| Recomputed ratio | 95.51% | numerator / denominator | |
| Filed ratio | 95.51% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +86.51 pp | $8.6M | 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 | Source |
|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 11,109 | 11,109 | RCOAP742 |
| Retained earnings | (1,646) | (1,450) | RCOAKW00 |
| Accumulated other comprehensive income | 107 | 46 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 9,570 | 9,705 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (107) | (46) | P859 - P840 |
| Common equity Tier 1 capital | 9,463 | 9,659 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | RCOAP865 |
| Tier 1 capital | 9,463 | 9,659 | RCOA8274 |
| Tier 2 capital | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | |
| Total capital | NA | NA | |
| Average total assets for the leverage ratio | 9,908 | 9,946 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
2 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 | 95.51% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 97.11% | 22.52% | 22.52% | 23.43% | 13.02% |
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 |
|---|---|---|---|---|---|---|
| Alvarez & Marsal Trust Company, N.A. (this bank) | CBLR | NA | NA | NA | 95.51% | |
| Key National Trust Company of Delaware | $9.9M | Risk-based | 467.81% | 467.81% | 467.81% | 100.31% |
| State Bank of Burrton | $9.3M | CBLR | NA | NA | NA | 9.94% |
| New Covenant Trust Company, N.A. | $9.3M | Risk-based | 248.35% | 248.35% | 248.35% | 90.76% |
| Neuberger Berman Trust Company of Delaware N.A. | $9.2M | Risk-based | 171.89% | 171.89% | 171.89% | 94.68% |
| The Trust Company of Toledo, N.A. | $9.0M | Risk-based | 149.99% | 149.99% | 149.99% | 100.25% |
| Security National Trust Co. | $8.8M | CBLR | NA | NA | NA | 87.19% |
| Towne Trust Company, N.A. | $8.8M | Risk-based | 360.02% | 360.02% | 360.02% | 87.10% |
| The Equitable Savings and Loan Company | $8.6M | CBLR | NA | NA | NA | 25.56% |
| Peer 25th percentile | 171.89% | 171.89% | 171.89% | 71.72% | ||
| Peer median | 248.35% | 248.35% | 248.35% | 88.98% | ||
| Peer 75th percentile | 360.02% | 360.02% | 360.02% | 96.07% | ||
| This bank's percentile | NA | NA | NA | 75 |
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/6060882/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.