BANK47: 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 12.97% +3.97 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 | $11.8M | 11,840 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $91.3M | 91,263 | RCOAA224 |
| Recomputed ratio | 12.97% | numerator / denominator | |
| Filed ratio | 12.97% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.97 pp | $3.6M | 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 | 24,568 | 24,066 | 20,699 | 22,117 | 20,499 | 20,420 | RCOAP742 |
| Retained earnings | (12,728) | (11,981) | (10,798) | (9,573) | (8,329) | (7,379) | RCOAKW00 |
| Accumulated other comprehensive income | (3,559) | (3,717) | (3,490) | (3,709) | (4,228) | (4,357) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 8,281 | 8,368 | 6,411 | 8,835 | 7,942 | 8,684 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,559 | 3,717 | 3,490 | 3,709 | 4,228 | 4,357 | P859 - P840 |
| Common equity Tier 1 capital | 11,840 | 12,085 | 9,901 | 12,544 | 12,170 | 13,041 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 11,840 | 12,085 | 9,901 | 12,544 | 12,170 | 13,041 | RCOA8274 |
| Tier 2 capital | NA | NA | 709 | 596 | 591 | 490 | |
| Allowance includable in Tier 2 capital | NA | NA | 709 | 596 | 591 | 490 | |
| Total capital | NA | NA | 10,610 | 13,140 | 12,761 | 13,531 | |
| Total risk-weighted assets | NA | NA | 56,046 | 47,121 | 46,783 | 38,759 | |
| Average total assets for the leverage ratio | 91,263 | 89,536 | 83,970 | 76,353 | 74,531 | 76,408 | 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 | 12.97% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 13.50% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | Risk-based | 17.67% | 17.67% | 18.93% | 11.79% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | Risk-based | 26.62% | 26.62% | 27.89% | 16.43% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | Risk-based | 26.01% | 26.01% | 27.28% | 16.33% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | Risk-based | 33.65% | 33.65% | 34.91% | 17.07% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | Risk-based | 40.04% | 40.04% | 41.30% | 18.25% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | Risk-based | 42.84% | 42.84% | 44.10% | 20.23% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | Risk-based | 64.64% | 64.64% | 65.93% | 22.40% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | 63.15% | 63.15% | 64.43% | 24.14% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | 21.17% | 21.17% | 22.46% | 9.12% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | Risk-based | 21.24% | 21.24% | 22.52% | 9.01% | 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 |
|---|---|---|---|---|---|---|
| BANK47 (this bank) | CBLR | NA | NA | NA | 12.97% | |
| The First Central National Bank of Saint Paris | $97.0M | Risk-based | 29.75% | 29.75% | 30.56% | 18.89% |
| Port Richmond Savings | $97.2M | CBLR | NA | NA | NA | 22.56% |
| Genesis Bank | $97.2M | CBLR | NA | NA | NA | 19.59% |
| United Security Bank | $97.2M | Risk-based | 19.42% | 19.42% | 20.68% | 13.38% |
| The Citizens State Bank of Cheney, Kansas | $96.7M | CBLR | NA | NA | NA | 11.10% |
| Boston Trust Walden N.A. | $96.6M | Risk-based | 89.32% | 89.32% | 89.33% | 64.46% |
| Senath State Bank | $97.3M | CBLR | NA | NA | NA | 15.45% |
| The Miners National Bank of Eveleth | $96.6M | Risk-based | 20.90% | 20.90% | 22.16% | 10.07% |
| Johnson State Bank | $96.6M | CBLR | NA | NA | NA | 14.72% |
| Peer 25th percentile | 20.53% | 20.53% | 21.79% | 13.38% | ||
| Peer median | 25.33% | 25.33% | 26.36% | 15.45% | ||
| Peer 75th percentile | 44.65% | 44.65% | 45.25% | 19.59% | ||
| This bank's percentile | NA | NA | NA | 22 |
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/1474309/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.