California International 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 13.51% +4.51 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 | $13.8M | 13,762 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $101.8M | 101,835 | RCOAA224 |
| Recomputed ratio | 13.51% | numerator / denominator | |
| Filed ratio | 13.51% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.51 pp | $4.6M | 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 | 40,043 | 40,043 | 40,043 | 39,573 | 39,573 | 39,572 | RCOAP742 |
| Retained earnings | (26,281) | (26,853) | (27,158) | (27,614) | (27,873) | (28,105) | RCOAKW00 |
| Accumulated other comprehensive income | (2) | (2) | (2) | (2) | (3) | (2) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 13,760 | 13,188 | 12,883 | 11,957 | 11,697 | 11,465 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2 | 2 | 2 | 2 | 3 | 2 | P859 - P840 |
| Common equity Tier 1 capital | 13,762 | 13,190 | 12,885 | 11,959 | 11,700 | 11,467 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 13,762 | 13,190 | 12,885 | 11,959 | 11,700 | 11,467 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | 624 | 529 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | 624 | 529 | |
| Total capital | NA | NA | NA | NA | 12,324 | 11,996 | |
| Total risk-weighted assets | NA | NA | NA | NA | 48,129 | 40,467 | |
| Average total assets for the leverage ratio | 101,835 | 90,368 | 93,001 | 81,662 | 68,218 | 60,034 | 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 | 13.51% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 14.60% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 13.85% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 14.64% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 24.31% | 24.31% | 25.61% | 17.15% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 28.34% | 28.34% | 29.64% | 19.10% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 32.23% | 32.23% | 33.54% | 19.94% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 38.01% | 38.01% | 39.34% | 19.59% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 38.65% | 38.65% | 39.98% | 20.19% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 39.48% | 39.48% | 40.82% | 20.69% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 42.03% | 42.03% | 43.37% | 19.60% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 43.36% | 43.36% | 44.70% | 18.25% | 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 |
|---|---|---|---|---|---|---|
| California International Bank, N.A. (this bank) | CBLR | NA | NA | NA | 13.51% | |
| Heritage Bank Minnesota | $120.9M | Risk-based | 9.98% | 9.98% | 11.04% | 7.27% |
| Logan County Bank | $120.8M | Risk-based | 29.84% | 29.84% | 31.09% | 16.89% |
| Key Community Bank | $121.0M | CBLR | NA | NA | NA | 10.66% |
| Custer Federal State Bank | $120.7M | CBLR | NA | NA | NA | 11.99% |
| The First State Bank | $121.4M | Risk-based | 15.85% | 15.85% | 16.92% | 13.46% |
| The First National Bank of Williamson | $120.3M | CBLR | NA | NA | NA | 20.13% |
| United Bank & Trust Co. | $120.1M | Risk-based | 16.47% | 16.47% | 17.70% | 10.46% |
| Global Innovations Bank | $120.1M | Risk-based | 11.57% | 11.57% | 12.48% | 8.47% |
| Bedford Loan & Deposit Bank | $121.8M | Risk-based | 24.37% | 24.37% | 25.62% | 14.61% |
| Peer 25th percentile | 12.64% | 12.64% | 13.59% | 10.46% | ||
| Peer median | 16.16% | 16.16% | 17.31% | 11.99% | ||
| Peer 75th percentile | 22.39% | 22.39% | 23.64% | 14.61% | ||
| This bank's percentile | NA | NA | NA | 67 |
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/3394380/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.