Camp Grove 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 10.49% +1.49 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 | $5.5M | 5,505 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $52.5M | 52,477 | RCOAA224 |
| Recomputed ratio | 10.49% | numerator / denominator | |
| Filed ratio | 10.49% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.49 pp | $782K | 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 | 7,581 | 7,576 | 7,376 | 7,376 | 7,376 | 7,376 | RCOAP742 |
| Retained earnings | (1,345) | (1,256) | (1,166) | (1,142) | (1,166) | (1,167) | RCOAKW00 |
| Accumulated other comprehensive income | (101) | (77) | 58 | 12 | (12) | (59) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 6,135 | 6,243 | 6,268 | 6,246 | 6,198 | 6,150 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (630) | (578) | (699) | (658) | (639) | (602) | P859 - P840 |
| Common equity Tier 1 capital | 5,505 | 5,665 | 5,569 | 5,588 | 5,559 | 5,548 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 5,505 | 5,665 | 5,569 | 5,588 | 5,559 | 5,548 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | 172 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | 172 | |
| Total capital | NA | NA | NA | NA | NA | 5,720 | |
| Total risk-weighted assets | NA | NA | NA | NA | NA | 24,505 | |
| Average total assets for the leverage ratio | 52,477 | 55,445 | 57,253 | 58,594 | 58,919 | 60,872 | 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 | 10.49% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 10.22% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 9.73% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 9.54% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 9.44% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | Risk-based | 22.64% | 22.64% | 23.34% | 9.11% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | Risk-based | 19.97% | 19.97% | 20.59% | 8.94% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | Risk-based | 20.02% | 20.02% | 20.64% | 8.66% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | Risk-based | 18.10% | 18.10% | 18.70% | 8.54% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | 18.04% | 18.04% | 18.66% | 8.20% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | 17.32% | 17.32% | 17.91% | 8.34% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 8.06% | 20.70% | 20.70% | 21.86% | 12.73% |
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 |
|---|---|---|---|---|---|---|
| Camp Grove State Bank (this bank) | CBLR | NA | NA | NA | 10.49% | |
| Tecumseh Federal Bank | $53.1M | CBLR | NA | NA | NA | 21.26% |
| Bryant State Bank | $52.9M | Risk-based | 18.83% | 18.83% | 20.13% | 11.58% |
| The Exchange State Bank | $52.7M | CBLR | NA | NA | NA | 9.51% |
| The Granger National Bank | $53.5M | CBLR | NA | NA | NA | 13.58% |
| The First National Bank of Wakefield | $52.6M | Risk-based | 23.64% | 23.64% | 24.81% | 10.15% |
| Compass Savings Bank | $53.5M | Risk-based | 14.17% | 14.17% | 15.33% | 7.29% |
| Citizens Bank of Morgantown, Inc. | $52.6M | CBLR | NA | NA | NA | 18.79% |
| Lovelady State Bank | $52.5M | Risk-based | 23.40% | 23.40% | 24.56% | 12.84% |
| Peer 25th percentile | 17.67% | 17.67% | 18.93% | 9.99% | ||
| Peer median | 21.12% | 21.12% | 22.34% | 12.21% | ||
| Peer 75th percentile | 23.46% | 23.46% | 24.62% | 14.88% | ||
| This bank's percentile | NA | NA | NA | 38 |
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/302133/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.