Avana 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 17.52% +8.52 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 | $6.6M | 6,608 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $37.7M | 37,717 | RCOAA224 |
| Recomputed ratio | 17.52% | numerator / denominator | |
| Filed ratio | 17.52% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +8.52 pp | $3.2M | 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 | 9,100 | 9,100 | 9,100 | 9,100 | 9,100 | 9,100 | RCOAP742 |
| Retained earnings | (331) | (281) | (247) | (637) | (525) | (403) | RCOAKW00 |
| Accumulated other comprehensive income | (31) | (22) | 19 | 22 | 1 | 1 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 8,738 | 8,797 | 8,872 | 8,485 | 8,576 | 8,698 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,130) | (2,145) | (2,192) | (2,201) | (2,186) | (2,193) | P859 - P840 |
| Common equity Tier 1 capital | 6,608 | 6,652 | 6,680 | 6,284 | 6,390 | 6,505 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 6,608 | 6,652 | 6,680 | 6,284 | 6,390 | 6,505 | 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 | 37,717 | 38,264 | 35,620 | 36,383 | 36,679 | 39,272 | 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 | 17.52% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 17.38% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 18.75% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 17.27% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 17.42% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 16.56% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 17.46% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 17.94% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 17.90% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 18.09% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 19.26% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 19.92% | 20.70% | 20.70% | 21.86% | 12.73% |
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 |
|---|---|---|---|---|---|---|
| Avana Bank (this bank) | CBLR | NA | NA | NA | 17.52% | |
| Bank of Mead | $39.7M | CBLR | NA | NA | NA | 10.13% |
| Credit First N.A. | $39.8M | Risk-based | 400.63% | 400.63% | 400.63% | 98.26% |
| Kingstree Federal Savings and Loan Association | $39.3M | CBLR | NA | NA | NA | 13.91% |
| First State Bank of Van Orin | $40.0M | Risk-based | 26.68% | 26.68% | 27.84% | 12.40% |
| Legacy Trust Company, N.A. | $40.2M | Risk-based | 226.62% | 226.62% | 226.62% | 88.01% |
| Corn Growers State Bank | $40.3M | Risk-based | 13.63% | 13.63% | 14.57% | 8.00% |
| Bessemer Trust Company of Delaware, N.A. | $40.4M | CBLR | NA | NA | NA | 86.33% |
| Home Federal Savings and Loan Association | $40.5M | CBLR | NA | NA | NA | 14.44% |
| Houston Bank & Trust | $38.5M | CBLR | NA | NA | NA | 93.01% |
| Peer 25th percentile | 23.42% | 23.42% | 24.53% | 12.40% | ||
| Peer median | 126.65% | 126.65% | 127.23% | 14.44% | ||
| Peer 75th percentile | 270.12% | 270.12% | 270.12% | 88.01% | ||
| This bank's percentile | NA | NA | NA | 56 |
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/498456/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.