Bank of Kampsville: 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 17.41% +8.41 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 | $23.4M | 23,388 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $134.3M | 134,318 | RCOAA224 |
| Recomputed ratio | 17.41% | numerator / denominator | |
| Filed ratio | 17.41% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +8.41 pp | $11.3M | 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 | 2,500 | 2,500 | 2,500 | 2,500 | 2,500 | 2,500 | RCOAP742 |
| Retained earnings | 20,888 | 20,513 | 20,580 | 20,277 | 20,068 | 19,805 | RCOAKW00 |
| Accumulated other comprehensive income | (475) | (403) | (210) | (381) | (749) | (1,091) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 22,913 | 22,610 | 22,870 | 22,396 | 21,819 | 21,214 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 475 | 403 | 210 | 381 | 749 | 1,091 | P859 - P840 |
| Common equity Tier 1 capital | 23,388 | 23,013 | 23,080 | 22,777 | 22,568 | 22,305 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 23,388 | 23,013 | 23,080 | 22,777 | 22,568 | 22,305 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | 358 | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | 358 | NA | NA | |
| Total capital | NA | NA | NA | 23,135 | NA | NA | |
| Total risk-weighted assets | NA | NA | NA | 58,214 | NA | NA | |
| Average total assets for the leverage ratio | 134,318 | 131,844 | 128,890 | 127,769 | 126,232 | 123,053 | 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 | 17.41% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 17.45% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 17.91% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 39.13% | 39.13% | 39.74% | 17.83% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 17.88% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 18.13% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 36.69% | 36.69% | 37.27% | 18.32% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 18.26% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 36.18% | 36.18% | 36.70% | 17.81% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 36.44% | 36.44% | 37.00% | 17.47% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 36.59% | 36.59% | 37.15% | 17.34% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 17.16% | 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 Kampsville (this bank) | CBLR | NA | NA | NA | 17.41% | |
| Bank of Hazlehurst | $134.2M | Risk-based | 30.59% | 30.59% | 31.86% | 14.56% |
| State Bank of Missouri | $134.3M | Risk-based | 16.94% | 16.94% | 18.19% | 8.93% |
| The First National Bank of Aspermont | $133.9M | CBLR | NA | NA | NA | 9.07% |
| First National Bank of Dublin | $134.3M | Risk-based | 16.86% | 16.86% | 18.11% | 12.54% |
| Saint Clair State Bank (Incorporated) | $134.4M | CBLR | NA | NA | NA | 11.08% |
| Preferred Bank | $134.5M | Risk-based | 17.71% | 17.71% | 18.62% | 7.56% |
| The Citizens National Bank of Quitman | $133.7M | Risk-based | 17.94% | 17.94% | 19.20% | 11.56% |
| The First National Bank of Moose Lake | $133.7M | CBLR | NA | NA | NA | 15.98% |
| County Bank | $133.7M | Risk-based | 12.49% | 12.49% | 13.74% | 8.29% |
| Bank of Halls | $134.6M | Risk-based | 12.79% | 12.79% | 13.88% | 7.95% |
| Peer 25th percentile | 14.83% | 14.83% | 16.00% | 8.45% | ||
| Peer median | 16.94% | 16.94% | 18.19% | 10.07% | ||
| Peer 75th percentile | 17.83% | 17.83% | 18.91% | 12.30% | ||
| 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/487142/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.