The Apple Creek Banking Company: 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 9.17% +0.17 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 | $24.4M | 24,447 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $266.7M | 266,681 | RCOAA224 |
| Recomputed ratio | 9.17% | numerator / denominator | |
| Filed ratio | 9.17% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.17 pp | $446K | 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 | 4,379 | 4,379 | 4,379 | 4,379 | 4,379 | 4,379 | RCOAP742 |
| Retained earnings | 20,068 | 19,933 | 19,036 | 18,798 | 18,116 | 17,788 | RCOAKW00 |
| Accumulated other comprehensive income | (734) | (779) | (775) | (1,210) | (1,627) | (1,827) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 23,713 | 23,533 | 22,640 | 21,967 | 20,868 | 20,340 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 734 | 779 | 775 | 1,210 | 1,627 | 1,827 | P859 - P840 |
| Common equity Tier 1 capital | 24,447 | 24,312 | 23,415 | 23,177 | 22,495 | 22,167 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 24,447 | 24,312 | 23,415 | 23,177 | 22,495 | 22,167 | RCOA8274 |
| Tier 2 capital | NA | 2,027 | 2,024 | 2,002 | 1,931 | 1,904 | |
| Allowance includable in Tier 2 capital | NA | 2,027 | 2,024 | 2,002 | 1,931 | 1,904 | |
| Total capital | NA | 26,339 | 25,439 | 25,179 | 24,426 | 24,071 | |
| Total risk-weighted assets | NA | 220,212 | 218,888 | 216,888 | 210,393 | 209,200 | |
| Average total assets for the leverage ratio | 266,681 | 260,359 | 264,754 | 261,126 | 260,315 | 258,360 | 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 | 9.17% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.04% | 11.04% | 11.96% | 9.34% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.70% | 10.70% | 11.62% | 8.84% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.69% | 10.69% | 11.61% | 8.88% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.69% | 10.69% | 11.61% | 8.64% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 10.60% | 10.60% | 11.51% | 8.58% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.47% | 10.47% | 11.37% | 8.10% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.48% | 10.48% | 11.37% | 8.14% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.34% | 10.34% | 11.26% | 8.01% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 10.19% | 10.19% | 11.08% | 8.04% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.27% | 10.27% | 11.17% | 8.34% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 10.17% | 10.17% | 11.13% | 8.33% | 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 |
|---|---|---|---|---|---|---|
| The Apple Creek Banking Company (this bank) | CBLR | NA | NA | NA | 9.17% | |
| The Farmers and Merchants National Bank of Nashville | $270.3M | Risk-based | 15.26% | 15.26% | 16.15% | 11.60% |
| FNB Bank | $270.3M | Risk-based | 14.21% | 14.21% | 15.46% | 10.21% |
| North Shore Trust and Savings | $270.3M | CBLR | NA | NA | NA | 25.24% |
| Citizens State Bank | $270.1M | CBLR | NA | NA | NA | 10.74% |
| Cherokee State Bank | $271.1M | CBLR | NA | NA | NA | 13.03% |
| Mediapolis Savings Bank | $269.9M | CBLR | NA | NA | NA | 10.20% |
| South Coast Bank & Trust | $269.8M | CBLR | NA | NA | NA | 9.90% |
| Farmers and Merchants Bank | $269.8M | CBLR | NA | NA | NA | 11.97% |
| Castroville State Bank | $269.7M | CBLR | NA | NA | NA | 10.93% |
| The Peoples Bank | $269.7M | CBLR | NA | NA | NA | 11.67% |
| Peer 25th percentile | 14.47% | 14.47% | 15.64% | 10.34% | ||
| Peer median | 14.73% | 14.73% | 15.81% | 11.26% | ||
| Peer 75th percentile | 15.00% | 15.00% | 15.98% | 11.90% | ||
| This bank's percentile | NA | NA | NA | 0 |
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/213912/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.