Bankiowa: 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 12.46% +3.46 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 | $105.1M | 105,082 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $843.2M | 843,246 | RCOAA224 |
| Recomputed ratio | 12.46% | numerator / denominator | |
| Filed ratio | 12.46% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.46 pp | $29.2M | 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 | 15,718 | 15,718 | 15,718 | 15,718 | 15,718 | 15,719 | RCOAP742 |
| Retained earnings | 92,986 | 90,463 | 88,067 | 86,407 | 84,229 | 82,951 | RCOAKW00 |
| Accumulated other comprehensive income | (3,199) | (3,787) | (2,815) | (3,262) | (4,658) | (5,447) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 105,505 | 102,394 | 100,970 | 98,863 | 95,289 | 93,223 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (423) | 165 | (807) | (363) | 1,028 | 1,811 | P859 - P840 |
| Common equity Tier 1 capital | 105,082 | 102,559 | 100,163 | 98,500 | 96,317 | 95,034 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 105,082 | 102,559 | 100,163 | 98,500 | 96,317 | 95,034 | 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 | 843,246 | 821,738 | 827,021 | 818,452 | 822,947 | 833,799 | 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 | 12.46% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.48% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.11% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.03% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.70% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.40% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.35% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.09% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.79% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.77% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.90% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.00% | 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 |
|---|---|---|---|---|---|---|
| Bankiowa (this bank) | CBLR | NA | NA | NA | 12.46% | |
| The Fountain Trust Company | $844.6M | Risk-based | 15.50% | 15.50% | 16.75% | 9.99% |
| Carolina Bank & Trust Company | $844.6M | Risk-based | 20.14% | 20.14% | 21.40% | 13.51% |
| Millennium Bank | $844.5M | CBLR | NA | NA | NA | 9.41% |
| The Old Fort Banking Company | $843.9M | Risk-based | 15.16% | 15.16% | 16.20% | 8.89% |
| FNBC Bank | $843.3M | Risk-based | 12.44% | 12.44% | 13.70% | 9.68% |
| United Southern Bank | $843.0M | CBLR | NA | NA | NA | 10.77% |
| Pendleton Community Bank, Inc. | $849.7M | Risk-based | 10.58% | 10.58% | 11.48% | 8.67% |
| First Commercial Bank (U.S.A) | $849.9M | Risk-based | 29.19% | 29.19% | 30.44% | 23.27% |
| Freedom Bank of Southern Missouri | $850.1M | Risk-based | 10.65% | 10.65% | 11.54% | 8.72% |
| Bank of Sun Prairie | $841.2M | Risk-based | 13.27% | 13.27% | 14.52% | 9.99% |
| Peer 25th percentile | 11.99% | 11.99% | 13.16% | 9.02% | ||
| Peer median | 14.22% | 14.22% | 15.36% | 9.84% | ||
| Peer 75th percentile | 16.66% | 16.66% | 17.91% | 10.57% | ||
| This bank's percentile | NA | NA | NA | 80 |
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/737548/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.