Bank of Grandin: Regulatory Capital and Risk-Weighted Assets
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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 14.66% +5.66 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 | $34.6M | 34,609 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $236.0M | 236,019 | RCOAA224 |
| Recomputed ratio | 14.66% | numerator / denominator | |
| Filed ratio | 14.66% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +5.66 pp | $13.4M | 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 | 770 | 770 | 770 | 770 | 770 | 770 | RCOAP742 |
| Retained earnings | 33,839 | 33,113 | 32,630 | 32,288 | 31,773 | 31,296 | RCOAKW00 |
| Accumulated other comprehensive income | (163) | (195) | (176) | (228) | (287) | (349) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 34,446 | 33,688 | 33,224 | 32,830 | 32,256 | 31,717 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 163 | 195 | 176 | 228 | 287 | 349 | P859 - P840 |
| Common equity Tier 1 capital | 34,609 | 33,883 | 33,400 | 33,058 | 32,543 | 32,066 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 34,609 | 33,883 | 33,400 | 33,058 | 32,543 | 32,066 | 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 | 236,019 | 233,747 | 234,799 | 232,142 | 229,900 | 224,716 | 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 | 14.66% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 14.50% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 14.22% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 14.24% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 14.16% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 14.27% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 14.14% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 14.26% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 14.49% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 14.42% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 14.47% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 14.43% | 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 Grandin (this bank) | CBLR | NA | NA | NA | 14.66% | |
| First Bank Hampton | $240.9M | CBLR | NA | NA | NA | 11.61% |
| TIAA Trust, N.A. | $241.1M | Risk-based | 413.35% | 413.35% | 413.35% | 92.86% |
| Adams County Bank | $241.1M | Risk-based | 16.81% | 16.81% | 17.84% | 11.82% |
| Method Bank | $241.2M | CBLR | NA | NA | NA | 9.80% |
| Valley Bank of Nevada | $240.8M | Risk-based | 15.56% | 15.56% | 16.81% | 10.31% |
| Nebraska Bank of Commerce | $241.2M | Risk-based | 11.86% | 11.86% | 13.12% | 9.56% |
| Firstoak Bank | $241.2M | CBLR | NA | NA | NA | 10.48% |
| Campbell County Bank | $240.7M | CBLR | NA | NA | NA | 12.93% |
| Peoples Trust and Savings Bank | $240.6M | CBLR | NA | NA | NA | 12.96% |
| Security Savings Bank | $241.4M | CBLR | NA | NA | NA | 12.97% |
| Peer 25th percentile | 14.64% | 14.64% | 15.89% | 10.36% | ||
| Peer median | 16.19% | 16.19% | 17.33% | 11.71% | ||
| Peer 75th percentile | 115.94% | 115.94% | 116.72% | 12.95% | ||
| 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/1351/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.