Bank of Franklin: 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 9.88% +0.88 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 | $29.5M | 29,481 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $298.3M | 298,305 | RCOAA224 |
| Recomputed ratio | 9.88% | numerator / denominator | |
| Filed ratio | 9.88% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.88 pp | $2.6M | 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 | 13,235 | 13,220 | 13,208 | 13,192 | 13,176 | 13,167 | RCOAP742 |
| Retained earnings | 20,190 | 19,351 | 18,800 | 18,024 | 17,143 | 16,239 | RCOAKW00 |
| Accumulated other comprehensive income | (724) | (724) | (666) | (691) | (1,425) | (1,262) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 32,701 | 31,847 | 31,342 | 30,525 | 28,894 | 28,144 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (3,220) | (3,283) | 666 | 691 | 1,425 | 1,262 | P859 - P840 |
| Common equity Tier 1 capital | 29,481 | 28,564 | 32,008 | 31,216 | 30,319 | 29,406 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 29,481 | 28,564 | 32,008 | 31,216 | 30,319 | 29,406 | 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 | 298,305 | 262,243 | 257,608 | 252,748 | 248,970 | 243,410 | 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 | 9.88% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.89% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.43% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.35% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.18% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 12.08% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.78% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.44% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.30% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.13% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.85% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.83% | 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 Franklin (this bank) | CBLR | NA | NA | NA | 9.88% | |
| Washington Savings Bank | $302.3M | Risk-based | 16.92% | 16.92% | 17.87% | 9.65% |
| Hometown Bank of Corbin Inc. | $302.3M | Risk-based | 12.47% | 12.47% | 13.22% | 8.78% |
| Valor Bank | $302.6M | Risk-based | 12.02% | 12.02% | 13.18% | 8.70% |
| The Citizens Bank of Weston, Inc. | $302.7M | CBLR | NA | NA | NA | 10.91% |
| SJN Bank of Kansas | $302.9M | Risk-based | 12.22% | 12.22% | 13.48% | 9.24% |
| Bedford Federal Savings Bank | $303.0M | CBLR | NA | NA | NA | 9.96% |
| DLP Bank | $301.4M | CBLR | NA | NA | NA | 15.32% |
| The Citizens Bank of Winfield | $301.3M | CBLR | NA | NA | NA | 17.51% |
| Peer 25th percentile | 12.17% | 12.17% | 13.21% | 9.12% | ||
| Peer median | 12.35% | 12.35% | 13.35% | 9.81% | ||
| Peer 75th percentile | 13.58% | 13.58% | 14.58% | 12.01% | ||
| This bank's percentile | NA | NA | NA | 50 |
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/68831/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.