Beneficial 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 11.22% +2.22 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 | $231.5M | 231,517 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.06B | 2,062,755 | RCOAA224 |
| Recomputed ratio | 11.22% | numerator / denominator | |
| Filed ratio | 11.22% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.22 pp | $45.9M | 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 | 218,129 | 218,129 | 218,129 | 218,129 | 218,129 | 218,129 | RCOAP742 |
| Retained earnings | 14,177 | 12,164 | 14,960 | 18,261 | 16,125 | 15,060 | RCOAKW00 |
| Accumulated other comprehensive income | (44,710) | (46,114) | (46,273) | (50,844) | (55,430) | (56,525) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 187,596 | 184,179 | 186,816 | 185,546 | 178,824 | 176,664 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 43,921 | 45,264 | 46,273 | 50,844 | 54,811 | 55,091 | P859 - P840 |
| Common equity Tier 1 capital | 231,517 | 229,443 | 233,089 | 236,390 | 233,635 | 231,755 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 231,517 | 229,443 | 233,089 | 236,390 | 233,635 | 231,755 | 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 | 2,062,755 | 2,047,820 | 2,035,032 | 2,029,174 | 1,973,256 | 2,000,867 | 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 | 11.22% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 11.20% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 11.45% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 11.65% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 11.84% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 11.58% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 11.59% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 12.22% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 12.22% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 12.07% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 11.96% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 12.04% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Beneficial State Bank (this bank) | CBLR | NA | NA | NA | 11.22% | |
| First National Bank | $2.03B | Risk-based | 23.91% | 26.19% | 27.48% | 21.88% |
| Mabrey Bank | $2.02B | Risk-based | 10.79% | 10.79% | 11.95% | 8.47% |
| Montecito Bank & Trust | $2.02B | CBLR | NA | NA | NA | 11.29% |
| Blackhawk Bank & Trust | $2.04B | CBLR | NA | NA | NA | 10.54% |
| First Financial Bank | $2.04B | CBLR | NA | NA | NA | 11.15% |
| Trunorth Bank | $2.02B | Risk-based | 12.06% | 12.06% | 13.23% | 9.82% |
| The Farmers & Merchants Bank | $2.02B | CBLR | NA | NA | NA | 9.79% |
| Florence Bank | $2.01B | CBLR | NA | NA | NA | 12.23% |
| Peoples Bank | $2.04B | Risk-based | 11.81% | 11.81% | 13.03% | 9.31% |
| Mission Bank | $2.01B | CBLR | NA | NA | NA | 12.22% |
| Peer 25th percentile | 11.55% | 11.55% | 12.76% | 9.80% | ||
| Peer median | 11.93% | 11.93% | 13.13% | 10.85% | ||
| Peer 75th percentile | 15.02% | 15.59% | 16.79% | 11.98% | ||
| This bank's percentile | NA | NA | NA | 60 |
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/3608751/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.