Bank of Monticello: 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 11.95% +2.95 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 | $19.2M | 19,183 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $160.6M | 160,577 | RCOAA224 |
| Recomputed ratio | 11.95% | numerator / denominator | |
| Filed ratio | 11.95% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.95 pp | $4.7M | 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 | 475 | 475 | 475 | 475 | 475 | 475 | RCOAP742 |
| Retained earnings | 18,708 | 18,089 | 18,878 | 18,190 | 17,400 | 16,866 | RCOAKW00 |
| Accumulated other comprehensive income | (2,452) | (2,678) | (2,345) | (2,623) | (3,524) | (3,259) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 16,731 | 15,886 | 17,008 | 16,042 | 14,351 | 14,082 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,452 | 2,678 | 2,345 | 2,623 | 3,523 | 3,256 | P859 - P840 |
| Common equity Tier 1 capital | 19,183 | 18,564 | 19,353 | 18,665 | 17,874 | 17,338 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 19,183 | 18,564 | 19,353 | 18,665 | 17,874 | 17,338 | 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 | 160,577 | 162,726 | 157,541 | 152,557 | 154,172 | 150,986 | 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 | 11.95% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.41% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.28% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.23% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.59% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.48% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.98% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.00% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.70% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.49% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.37% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.22% | 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 Monticello (this bank) | CBLR | NA | NA | NA | 11.95% | |
| Liberty State Bank | $159.0M | CBLR | NA | NA | NA | 13.66% |
| Farmers Bank & Trust | $159.0M | CBLR | NA | NA | NA | 10.58% |
| Fannin Bank | $159.1M | Risk-based | 16.15% | 16.15% | 17.40% | 8.60% |
| Home Federal Savings and Loan Association of Niles Ohio | $159.1M | CBLR | NA | NA | NA | 10.74% |
| Brickyard Bank | $159.0M | Risk-based | 23.63% | 23.63% | 24.88% | 15.64% |
| First Community Bank | $158.9M | CBLR | NA | NA | NA | 10.38% |
| Citizens' Bank, Inc. | $158.9M | CBLR | NA | NA | NA | 11.00% |
| Greenleaf Bank | $158.7M | CBLR | NA | NA | NA | 9.63% |
| The First National Bank of Arenzville | $158.7M | Risk-based | 10.63% | 10.63% | 11.49% | 8.83% |
| Peer 25th percentile | 13.39% | 13.39% | 14.44% | 9.63% | ||
| Peer median | 16.15% | 16.15% | 17.40% | 10.58% | ||
| Peer 75th percentile | 19.89% | 19.89% | 21.14% | 11.00% | ||
| This bank's percentile | NA | NA | NA | 78 |
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/937553/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.