Bank of Dudley: 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 9.62% +0.62 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 | $50.7M | 50,657 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $526.6M | 526,552 | RCOAA224 |
| Recomputed ratio | 9.62% | numerator / denominator | |
| Filed ratio | 9.62% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.62 pp | $3.3M | 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 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | RCOAP742 |
| Retained earnings | 40,657 | 39,461 | 38,116 | 36,654 | 35,965 | 34,482 | RCOAKW00 |
| Accumulated other comprehensive income | (1,710) | (1,570) | (1,256) | (1,368) | (1,751) | (1,859) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 48,947 | 47,891 | 46,860 | 45,286 | 44,214 | 42,623 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,710 | 1,570 | 1,256 | 1,368 | 1,751 | 1,859 | P859 - P840 |
| Common equity Tier 1 capital | 50,657 | 49,461 | 48,116 | 46,654 | 45,965 | 44,482 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 50,657 | 49,461 | 48,116 | 46,654 | 45,965 | 44,482 | 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 | 526,552 | 511,911 | 497,506 | 461,551 | 452,902 | 444,743 | 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 | 9.62% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.66% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.67% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.11% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.15% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.00% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.06% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.22% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.03% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.27% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.64% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.85% | 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 Dudley (this bank) | CBLR | NA | NA | NA | 9.62% | |
| First Security Bank and Trust Company | $538.2M | Risk-based | 14.85% | 14.85% | 16.03% | 10.03% |
| Community Bank Mankato | $538.3M | Risk-based | 12.10% | 12.10% | 13.23% | 9.49% |
| Homestead Bank | $537.0M | CBLR | NA | NA | NA | 18.62% |
| Essex Bank | $536.6M | CBLR | NA | NA | NA | 12.87% |
| First Nations Bank | $536.6M | Risk-based | 18.51% | 18.51% | 19.77% | 14.11% |
| Pan American Bank & Trust | $536.1M | Risk-based | 10.54% | 10.54% | 11.79% | 8.63% |
| Triad Business Bank | $536.0M | Risk-based | 11.54% | 11.54% | 12.29% | 10.86% |
| Vast Bank, N.A. | $540.4M | Risk-based | 18.01% | 18.01% | 19.27% | 14.12% |
| Herring Bank | $540.5M | Risk-based | 17.45% | 17.45% | 18.47% | 12.20% |
| Peer 25th percentile | 11.82% | 11.82% | 12.76% | 10.03% | ||
| Peer median | 14.85% | 14.85% | 16.03% | 12.20% | ||
| Peer 75th percentile | 17.73% | 17.73% | 18.87% | 14.11% | ||
| 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/546535/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.