Bank of Camilla: 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 20.79% +11.79 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 | $40.3M | 40,313 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $193.9M | 193,935 | RCOAA224 |
| Recomputed ratio | 20.79% | numerator / denominator | |
| Filed ratio | 20.79% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +11.79 pp | $22.9M | 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 | 19,585 | 19,585 | 19,585 | 19,585 | 19,585 | 19,585 | RCOAP742 |
| Retained earnings | 20,728 | 20,110 | 20,557 | 20,088 | 19,608 | 19,297 | RCOAKW00 |
| Accumulated other comprehensive income | (649) | (480) | (405) | (449) | (845) | (819) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 39,664 | 39,215 | 39,737 | 39,224 | 38,348 | 38,063 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 649 | 480 | 405 | 449 | 845 | 819 | P859 - P840 |
| Common equity Tier 1 capital | 40,313 | 39,695 | 40,142 | 39,673 | 39,193 | 38,882 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 40,313 | 39,695 | 40,142 | 39,673 | 39,193 | 38,882 | 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 | 193,935 | 198,773 | 187,162 | 180,636 | 179,621 | 190,343 | 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 | 20.79% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 19.97% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 21.45% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 21.96% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 21.82% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 20.43% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 21.84% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 22.30% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 21.45% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 20.57% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 23.82% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 24.31% | 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 |
|---|---|---|---|---|---|---|
| Bank of Camilla (this bank) | CBLR | NA | NA | NA | 20.79% | |
| Citizens Bank | $188.1M | Risk-based | 9.69% | 9.69% | 10.90% | 7.73% |
| Citizens Savings Bank and Trust Company | $188.1M | Risk-based | 14.40% | 14.40% | 15.65% | 9.56% |
| First State Bank | $188.0M | Risk-based | 57.45% | 57.45% | 58.71% | 14.27% |
| First Federal Savings of Middletown | $188.0M | CBLR | NA | NA | NA | 36.94% |
| The Bank of Beaver City | $188.6M | CBLR | NA | NA | NA | 8.67% |
| Bellevue State Bank | $187.7M | CBLR | NA | NA | NA | 14.32% |
| The First National Bank in Tremont | $187.6M | CBLR | NA | NA | NA | 9.89% |
| Farmers State Bank | $187.5M | Risk-based | 12.88% | 12.88% | 13.97% | 9.30% |
| Prairie Community Bank | $187.5M | Risk-based | 12.01% | 12.01% | 13.26% | 8.75% |
| Community Bank | $188.8M | CBLR | NA | NA | NA | 11.49% |
| Peer 25th percentile | 12.01% | 12.01% | 13.26% | 8.89% | ||
| Peer median | 12.88% | 12.88% | 13.97% | 9.72% | ||
| Peer 75th percentile | 14.40% | 14.40% | 15.65% | 13.58% | ||
| This bank's percentile | NA | NA | NA | 90 |
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/124830/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.