The Bank of Advance: 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 13.01% +4.01 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 | $67.6M | 67,625 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $519.8M | 519,815 | RCOAA224 |
| Recomputed ratio | 13.01% | numerator / denominator | |
| Filed ratio | 13.01% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.01 pp | $20.8M | 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 | 4,771 | 4,771 | 4,771 | 4,771 | 4,771 | 4,771 | RCOAP742 |
| Retained earnings | 62,854 | 59,706 | 56,605 | 61,843 | 58,806 | 55,983 | RCOAKW00 |
| Accumulated other comprehensive income | (748) | (795) | (358) | (1,160) | (2,122) | (2,069) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 66,877 | 63,682 | 61,018 | 65,454 | 61,455 | 58,685 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 748 | 795 | 358 | 1,160 | 2,122 | 2,069 | P859 - P840 |
| Common equity Tier 1 capital | 67,625 | 64,477 | 61,376 | 66,614 | 63,577 | 60,754 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 67,625 | 64,477 | 61,376 | 66,614 | 63,577 | 60,754 | 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 | 519,815 | 515,134 | 505,623 | 497,080 | 495,041 | 488,777 | 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 | 13.01% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.52% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.14% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.40% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.84% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 12.43% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.00% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.99% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.43% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.73% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.34% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.50% | 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 Bank of Advance (this bank) | CBLR | NA | NA | NA | 13.01% | |
| First State Bank and Trust | $509.6M | Risk-based | 22.37% | 22.37% | 23.51% | 9.25% |
| Texas Republic Bank, N.A. | $510.6M | CBLR | NA | NA | NA | 13.35% |
| Citizens Bank of Americus | $511.1M | Risk-based | 17.69% | 17.69% | 18.94% | 10.25% |
| Citizens State Bank | $511.4M | Risk-based | 16.70% | 16.70% | 18.00% | 13.18% |
| The Casey County Bank, Inc. | $508.4M | Risk-based | 11.63% | 11.63% | 12.61% | 8.30% |
| The Callaway Bank | $511.5M | CBLR | NA | NA | NA | 10.12% |
| Eagle Rock Bank | $508.2M | Risk-based | 11.55% | 11.55% | 12.07% | 13.80% |
| Hancock County Savings Bank, F.S.B. | $508.0M | Risk-based | 35.62% | 35.62% | 36.88% | 18.37% |
| Rondout Savings Bank | $512.0M | Risk-based | 14.86% | 14.86% | 16.10% | 9.79% |
| State Bank Financial | $512.1M | Risk-based | 13.73% | 13.73% | 14.65% | 9.94% |
| Peer 25th percentile | 13.20% | 13.20% | 14.14% | 9.82% | ||
| Peer median | 15.78% | 15.78% | 17.05% | 10.19% | ||
| Peer 75th percentile | 18.86% | 18.86% | 20.09% | 13.31% | ||
| This bank's percentile | NA | NA | NA | 60 |
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/879644/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.