The Bank of Milan: 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 9.52% +0.52 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 | $9.8M | 9,781 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $102.7M | 102,701 | RCOAA224 |
| Recomputed ratio | 9.52% | numerator / denominator | |
| Filed ratio | 9.52% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.52 pp | $538K | 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 | 4,443 | 4,443 | 4,443 | 4,443 | 4,443 | 4,443 | RCOAP742 |
| Retained earnings | 5,338 | 5,296 | 4,533 | 4,487 | 4,346 | 4,206 | RCOAKW00 |
| Accumulated other comprehensive income | (2,291) | (2,405) | (2,133) | (2,211) | (2,887) | (3,167) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 7,490 | 7,334 | 6,843 | 6,719 | 5,902 | 5,482 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,291 | 2,405 | 2,132 | 2,210 | 2,886 | 3,165 | P859 - P840 |
| Common equity Tier 1 capital | 9,781 | 9,739 | 8,975 | 8,929 | 8,788 | 8,647 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 9,781 | 9,739 | 8,975 | 8,929 | 8,788 | 8,647 | RCOA8274 |
| Tier 2 capital | NA | 312 | 309 | 223 | 224 | 224 | |
| Allowance includable in Tier 2 capital | NA | 312 | 309 | 223 | 224 | 224 | |
| Total capital | NA | 10,051 | 9,284 | 9,152 | 9,012 | 8,871 | |
| Total risk-weighted assets | NA | 60,836 | 58,979 | 57,191 | 58,885 | 55,853 | |
| Average total assets for the leverage ratio | 102,701 | 110,256 | 113,817 | 113,027 | 111,203 | 110,045 | 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 | 9.52% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 16.01% | 16.01% | 16.52% | 8.83% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.22% | 15.22% | 15.74% | 7.89% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 15.61% | 15.61% | 16.00% | 7.90% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.92% | 14.92% | 15.30% | 7.90% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.48% | 15.48% | 15.88% | 7.86% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.17% | 14.17% | 14.55% | 7.76% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.25% | 14.25% | 14.64% | 8.50% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.17% | 14.17% | 14.56% | 8.43% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.97% | 13.97% | 14.36% | 8.18% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.43% | 13.43% | 13.81% | 8.05% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.49% | 13.49% | 13.87% | 8.29% | 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 Milan (this bank) | CBLR | NA | NA | NA | 9.52% | |
| Century Bank of Florida | $101.1M | Risk-based | 15.55% | 15.55% | 16.80% | 10.56% |
| Kansas State Bank | $101.2M | CBLR | NA | NA | NA | 13.17% |
| The Gerber State Bank | $100.8M | CBLR | NA | NA | NA | 12.31% |
| United Orient Bank | $101.4M | CBLR | NA | NA | NA | 12.53% |
| Dedicated Community Bank | $100.6M | Risk-based | 12.71% | 12.71% | 13.31% | 9.27% |
| West Plains Savings and Loan Association | $100.5M | CBLR | NA | NA | NA | 21.11% |
| Black River Country Bank | $101.8M | Risk-based | 12.26% | 12.26% | 13.52% | 8.94% |
| First State Bank | $100.3M | Risk-based | 16.40% | 16.40% | 17.65% | 10.91% |
| Northern State Bank of Virginia | $102.0M | Risk-based | 15.36% | 15.36% | 16.26% | 10.17% |
| The First National Bank of Hebbronville | $102.0M | Risk-based | 48.13% | 48.13% | 48.74% | 16.51% |
| Peer 25th percentile | 13.37% | 13.37% | 14.20% | 10.27% | ||
| Peer median | 15.45% | 15.45% | 16.53% | 11.61% | ||
| Peer 75th percentile | 16.19% | 16.19% | 17.44% | 13.01% | ||
| This bank's percentile | NA | NA | NA | 20 |
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/2123930/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.