Beacon Business Bank, N.A.: 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 11.63% +2.63 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 | $19.8M | 19,791 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $170.1M | 170,147 | RCOAA224 |
| Recomputed ratio | 11.63% | numerator / denominator | |
| Filed ratio | 11.63% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.63 pp | $4.5M | 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 | 16,569 | 16,569 | 16,569 | 16,569 | 16,569 | 16,569 | RCOAP742 |
| Retained earnings | 3,283 | 3,155 | 3,511 | 3,069 | 2,933 | 2,909 | RCOAKW00 |
| Accumulated other comprehensive income | (2,623) | (2,807) | (2,718) | (3,047) | (3,798) | (3,829) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 17,229 | 16,917 | 17,362 | 16,591 | 15,704 | 15,649 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,562 | 2,759 | 2,718 | 3,047 | 3,798 | 3,829 | P859 - P840 |
| Common equity Tier 1 capital | 19,791 | 19,676 | 20,080 | 19,638 | 19,502 | 19,478 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 19,791 | 19,676 | 20,080 | 19,638 | 19,502 | 19,478 | RCOA8274 |
| Tier 2 capital | NA | NA | 1,468 | 1,596 | 1,591 | 1,522 | |
| Allowance includable in Tier 2 capital | NA | NA | 1,468 | 1,596 | 1,591 | 1,522 | |
| Total capital | NA | NA | 21,548 | 21,234 | 21,093 | 21,000 | |
| Total risk-weighted assets | NA | NA | 122,112 | 127,695 | 127,270 | 121,677 | |
| Average total assets for the leverage ratio | 170,147 | 166,216 | 178,396 | 180,614 | 177,356 | 172,912 | 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 | 11.63% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.84% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 16.44% | 16.44% | 17.65% | 11.26% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 15.38% | 15.38% | 16.63% | 10.87% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 15.32% | 15.32% | 16.57% | 11.00% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 16.01% | 16.01% | 17.26% | 11.26% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 17.03% | 17.03% | 18.28% | 11.01% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 18.88% | 18.88% | 20.13% | 10.86% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 19.19% | 19.19% | 20.44% | 11.45% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 19.46% | 19.46% | 20.72% | 11.34% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 18.91% | 18.91% | 20.17% | 10.91% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 19.42% | 19.42% | 20.67% | 11.55% | 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 |
|---|---|---|---|---|---|---|
| Beacon Business Bank, N.A. (this bank) | CBLR | NA | NA | NA | 11.63% | |
| Auburn Banking Company | $164.3M | Risk-based | 11.00% | 11.00% | 11.80% | 8.26% |
| Movement Bank | $164.2M | Risk-based | 16.64% | 16.64% | 18.95% | 11.09% |
| Northeast Missouri State Bank | $164.1M | Risk-based | 21.24% | 21.24% | 22.18% | 11.11% |
| Northwestern Bank, N.A. | $164.7M | CBLR | NA | NA | NA | 11.15% |
| Bank of Maysville | $164.0M | Risk-based | 30.26% | 30.26% | 31.08% | 16.94% |
| The Harrison County Bank | $164.9M | CBLR | NA | NA | NA | 10.21% |
| Commercial Trust Company of Fayette | $163.8M | CBLR | NA | NA | NA | 10.41% |
| State Bank & Trust Company | $165.1M | Risk-based | 14.35% | 14.35% | 15.59% | 10.63% |
| The Salyersville National Bank | $163.5M | Risk-based | 23.15% | 23.15% | 23.94% | 14.24% |
| The Big Bend Banks, N.A. dba Marfa National Bank | $165.4M | CBLR | NA | NA | NA | 16.23% |
| Peer 25th percentile | 14.92% | 14.92% | 16.43% | 10.46% | ||
| Peer median | 18.94% | 18.94% | 20.57% | 11.10% | ||
| Peer 75th percentile | 22.68% | 22.68% | 23.50% | 13.47% | ||
| This bank's percentile | NA | NA | NA | 70 |
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/403067/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.