Bay Port State Bank: 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 10.89% +1.89 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 | $16.6M | 16,558 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $152.1M | 152,106 | RCOAA224 |
| Recomputed ratio | 10.89% | numerator / denominator | |
| Filed ratio | 10.89% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.89 pp | $2.9M | 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 | 6,488 | 6,488 | 6,488 | 6,488 | 6,488 | 6,488 | RCOAP742 |
| Retained earnings | 10,070 | 9,606 | 9,220 | 8,814 | 8,365 | 7,933 | RCOAKW00 |
| Accumulated other comprehensive income | (41) | (53) | 55 | (31) | (16) | (106) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 16,517 | 16,041 | 15,763 | 15,271 | 14,837 | 14,315 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 41 | 53 | (55) | 31 | 16 | 106 | P859 - P840 |
| Common equity Tier 1 capital | 16,558 | 16,094 | 15,708 | 15,302 | 14,853 | 14,421 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 16,558 | 16,094 | 15,708 | 15,302 | 14,853 | 14,421 | 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 | 152,106 | 152,561 | 153,622 | 152,232 | 150,839 | 150,822 | 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 | 10.89% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.55% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.23% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.05% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.85% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.56% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.49% | 13.49% | 14.74% | 9.55% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.11% | 13.11% | 14.36% | 9.28% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.87% | 12.87% | 14.12% | 9.08% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.61% | 12.61% | 13.86% | 8.91% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.58% | 12.58% | 13.83% | 9.07% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.30% | 12.30% | 13.55% | 8.84% | 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 |
|---|---|---|---|---|---|---|
| Bay Port State Bank (this bank) | CBLR | NA | NA | NA | 10.89% | |
| Priority Bank | $153.4M | CBLR | NA | NA | NA | 10.52% |
| First National Bank of Fort Stockton | $153.5M | CBLR | NA | NA | NA | 12.20% |
| American Heritage Bank | $153.2M | Risk-based | 18.55% | 18.55% | 19.80% | 11.09% |
| Citizens State Bank of Arlington | $153.2M | CBLR | NA | NA | NA | 11.74% |
| Nationwide Trust Company, FSB | $153.6M | Risk-based | 141.82% | 141.82% | 141.82% | 36.89% |
| Eastbank, N.A. | $153.0M | Risk-based | 29.85% | 29.85% | 31.11% | 22.99% |
| Lake Region Bank | $153.0M | Risk-based | 18.78% | 18.78% | 19.67% | 10.43% |
| The Citizens National Bank of Woodsfield | $153.9M | Risk-based | 23.30% | 23.30% | 23.98% | 8.88% |
| Bluff View Bank | $152.8M | Risk-based | 20.04% | 20.04% | 20.95% | 14.94% |
| Heartland State Bank | $154.0M | CBLR | NA | NA | NA | 9.93% |
| Peer 25th percentile | 19.10% | 19.10% | 20.09% | 10.45% | ||
| Peer median | 21.67% | 21.67% | 22.47% | 11.41% | ||
| Peer 75th percentile | 28.21% | 28.21% | 29.33% | 14.26% | ||
| This bank's percentile | NA | NA | NA | 40 |
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/961446/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.