The Bank of Protection: 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 11.81% +2.81 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 | $18.0M | 18,019 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $152.5M | 152,520 | RCOAA224 |
| Recomputed ratio | 11.81% | numerator / denominator | |
| Filed ratio | 11.81% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.81 pp | $4.3M | 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 | 7,677 | 7,677 | 7,677 | 3,416 | 3,416 | 3,416 | RCOAP742 |
| Retained earnings | 11,397 | 11,164 | 10,596 | 12,121 | 11,789 | 11,376 | RCOAKW00 |
| Accumulated other comprehensive income | (1,563) | (1,419) | (1,357) | (1,497) | (1,976) | (1,910) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 17,511 | 17,422 | 16,916 | 14,040 | 13,229 | 12,882 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 508 | 275 | 52 | 1,497 | 1,976 | 1,910 | P859 - P840 |
| Common equity Tier 1 capital | 18,019 | 17,697 | 16,968 | 15,537 | 15,205 | 14,792 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 18,019 | 17,697 | 16,968 | 15,537 | 15,205 | 14,792 | RCOA8274 |
| Tier 2 capital | NA | 1,066 | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | 1,066 | NA | NA | NA | NA | |
| Total capital | NA | 18,763 | NA | NA | NA | NA | |
| Total risk-weighted assets | NA | 128,376 | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 152,520 | 150,113 | 138,635 | 97,560 | 97,263 | 97,419 | 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 | 11.81% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.79% | 13.79% | 14.62% | 11.79% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.24% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 15.93% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 15.63% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 15.18% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 15.45% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 15.14% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 14.30% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 13.92% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 14.65% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 14.90% | 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 Protection (this bank) | CBLR | NA | NA | NA | 11.81% | |
| Prime Security Bank | $154.5M | Risk-based | 10.86% | 10.86% | 11.57% | 8.71% |
| Spratt Savings Bank | $154.4M | CBLR | NA | NA | NA | 20.38% |
| Fowler State Bank | $154.5M | CBLR | NA | NA | NA | 13.23% |
| The First State Bank | $154.6M | CBLR | NA | NA | NA | 16.34% |
| State Bank of Fairmont | $154.2M | Risk-based | 15.54% | 15.54% | 16.80% | 10.40% |
| Waldo State Bank | $154.2M | CBLR | NA | NA | NA | 10.28% |
| Canton Co-Operative Bank | $154.8M | Risk-based | 22.29% | 22.29% | 22.96% | 15.25% |
| Heartland State Bank | $154.0M | CBLR | NA | NA | NA | 9.93% |
| The Citizens National Bank of Woodsfield | $153.9M | Risk-based | 23.30% | 23.30% | 23.98% | 8.88% |
| Peer 25th percentile | 14.37% | 14.37% | 15.49% | 9.93% | ||
| Peer median | 18.92% | 18.92% | 19.88% | 10.40% | ||
| Peer 75th percentile | 22.55% | 22.55% | 23.21% | 15.25% | ||
| This bank's percentile | NA | NA | NA | 56 |
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/531157/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.