The Bank of Grain Valley: 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 23.96% +14.96 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 | $25.3M | 25,255 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $105.4M | 105,411 | RCOAA224 |
| Recomputed ratio | 23.96% | numerator / denominator | |
| Filed ratio | 23.96% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +14.96 pp | $15.8M | 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 | 2,945 | 2,945 | 2,945 | 2,945 | 2,945 | 2,945 | RCOAP742 |
| Retained earnings | 22,310 | 21,938 | 21,577 | 21,999 | 21,583 | 21,205 | RCOAKW00 |
| Accumulated other comprehensive income | (225) | (251) | (158) | (257) | (403) | (578) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 25,030 | 24,632 | 24,364 | 24,687 | 24,125 | 23,572 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 225 | 251 | 158 | 257 | 403 | 578 | P859 - P840 |
| Common equity Tier 1 capital | 25,255 | 24,883 | 24,522 | 24,944 | 24,528 | 24,150 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 25,255 | 24,883 | 24,522 | 24,944 | 24,528 | 24,150 | 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 | 105,411 | 105,920 | 106,517 | 107,117 | 108,729 | 109,365 | 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 | 23.96% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 23.49% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 23.02% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 23.29% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 22.56% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 22.08% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 21.72% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 22.36% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 22.27% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 21.52% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 20.33% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 20.88% | 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 Grain Valley (this bank) | CBLR | NA | NA | NA | 23.96% | |
| Pikes Peak National Bank | $110.8M | Risk-based | 22.01% | 22.01% | 23.26% | 15.56% |
| First State Bank of Le Center | $110.4M | Risk-based | 13.68% | 13.68% | 14.74% | 11.15% |
| Bank of Louisiana | $110.3M | Risk-based | 29.37% | 29.37% | 30.64% | 17.77% |
| Red River State Bank | $110.2M | CBLR | NA | NA | NA | 15.24% |
| Carver State Bank | $111.2M | CBLR | NA | NA | NA | 14.99% |
| Midland Federal Savings and Loan Association | $111.2M | Risk-based | 24.04% | 24.04% | 25.14% | 8.50% |
| Local Bank | $111.3M | CBLR | NA | NA | NA | 14.29% |
| The Peoples Savings and Loan Company | $109.9M | Risk-based | 14.26% | 14.26% | 15.44% | 8.99% |
| First Mutual Bank, FSB | $109.9M | Risk-based | 18.65% | 18.65% | 19.61% | 9.60% |
| The State Bank of Wynnewood | $111.4M | CBLR | NA | NA | NA | 15.63% |
| Peer 25th percentile | 15.36% | 15.36% | 16.48% | 9.99% | ||
| Peer median | 20.33% | 20.33% | 21.44% | 14.64% | ||
| Peer 75th percentile | 23.53% | 23.53% | 24.67% | 15.48% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/956554/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.