Carmine 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 10.00% +1.00 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 | $15.6M | 15,631 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $156.3M | 156,291 | RCOAA224 |
| Recomputed ratio | 10.00% | numerator / denominator | |
| Filed ratio | 10.00% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.00 pp | $1.6M | 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 | 1,200 | 1,200 | 1,200 | 1,200 | 1,200 | 1,200 | RCOAP742 |
| Retained earnings | 14,431 | 14,128 | 13,791 | 13,822 | 13,458 | 13,202 | RCOAKW00 |
| Accumulated other comprehensive income | (6,363) | (7,452) | (6,484) | (7,255) | (8,276) | (8,226) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 9,268 | 7,876 | 8,507 | 7,767 | 6,382 | 6,176 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,363 | 7,452 | 6,484 | 7,255 | 8,235 | 8,183 | P859 - P840 |
| Common equity Tier 1 capital | 15,631 | 15,328 | 14,991 | 15,022 | 14,617 | 14,359 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 15,631 | 15,328 | 14,991 | 15,022 | 14,617 | 14,359 | 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 | 156,291 | 158,175 | 158,217 | 149,279 | 142,426 | 137,370 | 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 | 10.00% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.69% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.47% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.06% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.26% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.45% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.37% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.30% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.32% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.24% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.62% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 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 |
|---|---|---|---|---|---|---|
| Carmine State Bank (this bank) | CBLR | NA | NA | NA | 10.00% | |
| Hyden Citizens Bank, Inc | $148.6M | Risk-based | 13.58% | 13.58% | 14.35% | 9.18% |
| Peoples Bank of Wyaconda | $148.5M | CBLR | NA | NA | NA | 10.56% |
| The Pineries Bank | $149.1M | Risk-based | 21.83% | 21.83% | 22.70% | 11.34% |
| Miami Savings Bank | $148.3M | CBLR | NA | NA | NA | 21.29% |
| The Readlyn Savings Bank | $148.3M | Risk-based | 26.80% | 26.80% | 28.02% | 19.30% |
| The Farmers Bank | $148.3M | Risk-based | 18.25% | 18.25% | 19.50% | 11.21% |
| Du Quoin State Bank | $148.2M | Risk-based | 25.11% | 25.11% | 26.23% | 10.78% |
| Farmers Trust & Savings Bank | $148.1M | Risk-based | 13.31% | 13.31% | 14.32% | 9.00% |
| State Bank of Downs | $148.0M | CBLR | NA | NA | NA | 12.64% |
| BANK19 | $147.8M | Risk-based | 33.25% | 33.25% | 33.97% | 15.33% |
| Peer 25th percentile | 15.92% | 15.92% | 16.92% | 10.61% | ||
| Peer median | 21.83% | 21.83% | 22.70% | 11.28% | ||
| Peer 75th percentile | 25.95% | 25.95% | 27.13% | 14.66% | ||
| This bank's percentile | NA | NA | NA | 20 |
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/732954/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.