Bank of Evergreen: 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 14.25% +5.25 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 | $11.0M | 10,970 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $77.0M | 77,004 | RCOAA224 |
| Recomputed ratio | 14.25% | numerator / denominator | |
| Filed ratio | 14.25% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +5.25 pp | $4.0M | 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 | 200 | 200 | 200 | 200 | 200 | 200 | RCOAP742 |
| Retained earnings | 10,770 | 10,631 | 10,530 | 10,256 | 10,124 | 10,094 | RCOAKW00 |
| Accumulated other comprehensive income | (1,878) | (1,902) | (1,765) | (1,928) | (2,581) | (2,651) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 9,092 | 8,929 | 8,965 | 8,528 | 7,743 | 7,643 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,878 | 1,902 | 1,765 | 1,928 | 2,607 | 2,651 | P859 - P840 |
| Common equity Tier 1 capital | 10,970 | 10,831 | 10,730 | 10,456 | 10,350 | 10,294 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 10,970 | 10,831 | 10,730 | 10,456 | 10,350 | 10,294 | 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 | 77,004 | 76,696 | 76,803 | 76,044 | 75,062 | 75,586 | 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 | 14.25% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 14.12% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 13.97% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 13.75% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 13.79% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 13.62% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 12.85% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 12.07% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 13.24% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 13.43% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 13.78% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 13.50% | 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 |
|---|---|---|---|---|---|---|
| Bank of Evergreen (this bank) | CBLR | NA | NA | NA | 14.25% | |
| Five Rivers Bank | $78.1M | CBLR | NA | NA | NA | 57.11% |
| Sherwood Community Bank | $77.9M | Risk-based | 12.78% | 12.78% | 13.62% | 9.02% |
| Citizens Savings Bank | $77.9M | CBLR | NA | NA | NA | 9.90% |
| The First National Bank of Ava | $78.3M | Risk-based | 19.35% | 19.35% | 20.61% | 12.76% |
| First National Bank of South Padre Island | $78.3M | CBLR | NA | NA | NA | 14.22% |
| Pavillion Bank | $78.4M | Risk-based | 20.69% | 20.69% | 21.94% | 15.54% |
| First State Bank of Olmsted | $78.4M | Risk-based | 19.91% | 19.91% | 20.87% | 12.57% |
| First Tri-County Bank | $78.5M | CBLR | NA | NA | NA | 9.07% |
| The Galion Building and Loan Bank | $78.5M | CBLR | NA | NA | NA | 11.18% |
| Commonwealth National Bank | $78.5M | Risk-based | 28.27% | 28.27% | 29.52% | 13.73% |
| Peer 25th percentile | 19.35% | 19.35% | 20.61% | 10.22% | ||
| Peer median | 19.91% | 19.91% | 20.87% | 12.66% | ||
| Peer 75th percentile | 20.69% | 20.69% | 21.94% | 14.10% | ||
| This bank's percentile | NA | NA | NA | 80 |
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/560438/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.