Ascend 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 9.65% +0.65 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 | $143.7M | 143,711 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.49B | 1,489,090 | RCOAA224 |
| Recomputed ratio | 9.65% | numerator / denominator | |
| Filed ratio | 9.65% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.65 pp | $9.7M | 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 | 500 | 500 | 500 | 500 | 250 | 250 | RCOAP742 |
| Retained earnings | 159,437 | 155,007 | 151,815 | 150,050 | 133,181 | 131,584 | RCOAKW00 |
| Accumulated other comprehensive income | (8,758) | (8,955) | (9,193) | (10,008) | (11,532) | (12,366) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 151,179 | 146,552 | 143,122 | 140,542 | 121,899 | 119,468 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (7,468) | (7,463) | (7,502) | (6,684) | 8,000 | 8,789 | P859 - P840 |
| Common equity Tier 1 capital | 143,711 | 139,089 | 135,620 | 133,858 | 129,899 | 128,257 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 143,711 | 139,089 | 135,620 | 133,858 | 129,899 | 128,257 | 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 | 1,489,090 | 1,451,451 | 1,451,249 | 1,434,810 | 1,190,986 | 1,188,447 | 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 | 9.65% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 9.58% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 9.35% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 9.33% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 10.91% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 10.79% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 10.91% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 11.09% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 11.22% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 11.07% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 11.25% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 11.50% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Ascend Bank (this bank) | CBLR | NA | NA | NA | 9.65% | |
| Park State Bank | $1.49B | Risk-based | 14.94% | 14.94% | 15.80% | 9.89% |
| Elkhorn Valley Bank & Trust | $1.49B | Risk-based | 12.90% | 12.90% | 14.15% | 10.49% |
| First National Bank of Pulaski | $1.50B | CBLR | NA | NA | NA | 11.32% |
| Peoples State Bank | $1.50B | Risk-based | 13.41% | 13.41% | 14.63% | 10.17% |
| Bath Savings Institution | $1.50B | CBLR | NA | NA | NA | 15.76% |
| Pathfinder Bank | $1.49B | Risk-based | 13.36% | 13.36% | 14.62% | 9.64% |
| American Heritage Bank | $1.48B | Risk-based | 23.48% | 23.48% | 24.73% | 9.57% |
| Bank of Utica | $1.51B | CBLR | NA | NA | NA | 26.49% |
| United Bank | $1.48B | Risk-based | 20.70% | 20.70% | 21.86% | 15.79% |
| Peer 25th percentile | 13.37% | 13.37% | 14.62% | 9.89% | ||
| Peer median | 14.17% | 14.17% | 15.21% | 10.49% | ||
| Peer 75th percentile | 19.26% | 19.26% | 20.35% | 15.76% | ||
| This bank's percentile | NA | NA | NA | 22 |
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/831008/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.