Bank of Prague: 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 11.15% +2.15 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 | $5.4M | 5,432 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $48.7M | 48,705 | RCOAA224 |
| Recomputed ratio | 11.15% | numerator / denominator | |
| Filed ratio | 11.15% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.15 pp | $1.0M | 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 | 1,200 | 1,200 | 1,200 | 1,200 | 1,200 | 1,200 | RCOAP742 |
| Retained earnings | 4,247 | 4,488 | 4,376 | 4,288 | 4,050 | 4,385 | RCOAKW00 |
| Accumulated other comprehensive income | (113) | (149) | (119) | (122) | (216) | (298) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 5,334 | 5,539 | 5,457 | 5,366 | 5,034 | 5,287 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 98 | 134 | 104 | 107 | 201 | 283 | P859 - P840 |
| Common equity Tier 1 capital | 5,432 | 5,673 | 5,561 | 5,473 | 5,235 | 5,570 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 5,432 | 5,673 | 5,561 | 5,473 | 5,235 | 5,570 | 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 | 48,705 | 48,156 | 45,116 | 43,732 | 43,150 | 44,228 | 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 | 11.15% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 11.78% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 12.33% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 12.51% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 12.13% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 12.59% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 13.39% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 13.67% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 12.98% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 13.24% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 13.32% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 13.07% | 20.70% | 20.70% | 21.86% | 12.73% |
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 Prague (this bank) | CBLR | NA | NA | NA | 11.15% | |
| United Bank of Philadelphia | $48.4M | Risk-based | 36.29% | 36.29% | 37.55% | 16.58% |
| Security State Bank of Oklee | $48.8M | Risk-based | 41.66% | 41.66% | 42.92% | 15.84% |
| Adp Trust Company N.A. | $48.8M | Risk-based | 643.42% | 643.42% | 643.42% | 94.43% |
| The First State Bank of Ransom | $48.9M | Risk-based | 32.77% | 32.77% | 34.02% | 20.06% |
| Buckley State Bank | $49.0M | CBLR | NA | NA | NA | 12.89% |
| Palo Savings Bank | $49.2M | CBLR | NA | NA | NA | 11.71% |
| Peoples State Bank of Colfax | $49.5M | CBLR | NA | NA | NA | 11.74% |
| Farmers and Merchants State Bank of Alpha | $47.4M | CBLR | NA | NA | NA | 11.15% |
| Peer 25th percentile | 35.41% | 35.41% | 36.67% | 11.73% | ||
| Peer median | 38.98% | 38.98% | 40.23% | 14.37% | ||
| Peer 75th percentile | 192.10% | 192.10% | 193.05% | 17.45% | ||
| This bank's percentile | NA | NA | NA | 12 |
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/858452/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.