American Metro 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 13.10% +4.10 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 | $14.3M | 14,336 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $109.4M | 109,421 | RCOAA224 |
| Recomputed ratio | 13.10% | numerator / denominator | |
| Filed ratio | 13.10% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.10 pp | $4.5M | 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 | 24,017 | 24,017 | 24,017 | 23,994 | 23,994 | 23,994 | RCOAP742 |
| Retained earnings | (7,648) | (7,973) | (8,283) | (8,458) | (8,733) | (9,019) | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 16,369 | 16,044 | 15,734 | 15,536 | 15,261 | 14,975 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,033) | (2,033) | (2,033) | (2,033) | (2,033) | (2,033) | P859 - P840 |
| Common equity Tier 1 capital | 14,336 | 14,011 | 13,701 | 13,503 | 13,228 | 12,942 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 14,336 | 14,011 | 13,701 | 13,503 | 13,228 | 12,942 | RCOA8274 |
| Tier 2 capital | NA | 1,079 | 1,080 | 1,058 | 1,038 | 1,014 | |
| Allowance includable in Tier 2 capital | NA | 1,079 | 1,080 | 1,058 | 1,038 | 1,014 | |
| Total capital | NA | 15,090 | 14,781 | 14,561 | 14,266 | 13,956 | |
| Total risk-weighted assets | NA | 86,134 | 86,272 | 84,556 | 82,955 | 80,996 | |
| Average total assets for the leverage ratio | 109,421 | 113,020 | 111,342 | 107,107 | 104,286 | 104,589 | 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 | 13.10% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 16.27% | 16.27% | 17.52% | 12.40% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.88% | 15.88% | 17.13% | 12.31% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 15.97% | 15.97% | 17.22% | 12.61% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 15.95% | 15.95% | 17.20% | 12.68% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.98% | 15.98% | 17.23% | 12.37% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.89% | 15.89% | 17.14% | 12.60% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 16.78% | 16.78% | 18.03% | 13.15% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 18.49% | 18.49% | 19.74% | 13.56% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 19.72% | 19.72% | 20.98% | 13.81% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 19.84% | 19.84% | 21.10% | 14.49% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 20.70% | 20.70% | 21.95% | 14.03% | 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 |
|---|---|---|---|---|---|---|
| American Metro Bank (this bank) | CBLR | NA | NA | NA | 13.10% | |
| Community Bank | $119.1M | CBLR | NA | NA | NA | 10.09% |
| Security State Bank | $119.0M | Risk-based | 14.51% | 14.51% | 15.36% | 8.27% |
| McIntosh County Bank | $118.7M | CBLR | NA | NA | NA | 11.01% |
| The Farmers and Merchants National Bank of Fairview | $118.7M | CBLR | NA | NA | NA | 12.18% |
| Lone Oak Bank, N.A. | $119.6M | CBLR | NA | NA | NA | 15.26% |
| Countryside Bank | $118.5M | CBLR | NA | NA | NA | 15.20% |
| Community Savings Bank | $119.6M | CBLR | NA | NA | NA | 14.76% |
| Kalamazoo County State Bank | $118.4M | Risk-based | 20.34% | 20.34% | 21.09% | 12.08% |
| First Community Bank of Moultrie County | $119.7M | Risk-based | 19.07% | 19.07% | 20.32% | 9.13% |
| Fredonia Valley Bank | $119.8M | CBLR | NA | NA | NA | 11.49% |
| Peer 25th percentile | 16.79% | 16.79% | 17.84% | 10.32% | ||
| Peer median | 19.07% | 19.07% | 20.32% | 11.78% | ||
| Peer 75th percentile | 19.70% | 19.70% | 20.70% | 14.12% | ||
| This bank's percentile | NA | NA | NA | 70 |
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/2533043/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.