Central 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 9.11% +0.11 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 | $35.7M | 35,659 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $391.4M | 391,394 | RCOAA224 |
| Recomputed ratio | 9.11% | numerator / denominator | |
| Filed ratio | 9.11% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.11 pp | $434K | 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 | 18,900 | 16,900 | 16,900 | 16,900 | 16,900 | 16,900 | RCOAP742 |
| Retained earnings | 16,930 | 16,005 | 15,326 | 14,421 | 13,880 | 13,286 | RCOAKW00 |
| Accumulated other comprehensive income | (465) | (227) | (133) | (120) | (378) | (288) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 35,365 | 32,678 | 32,093 | 31,201 | 30,402 | 29,898 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 294 | 49 | (90) | (127) | 88 | 10 | P859 - P840 |
| Common equity Tier 1 capital | 35,659 | 32,727 | 32,003 | 31,074 | 30,490 | 29,908 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 35,659 | 32,727 | 32,003 | 31,074 | 30,490 | 29,908 | RCOA8274 |
| Tier 2 capital | NA | 2,526 | 2,478 | 2,381 | 2,358 | NA | |
| Allowance includable in Tier 2 capital | NA | 2,526 | 2,478 | 2,381 | 2,358 | NA | |
| Total capital | NA | 35,253 | 34,481 | 33,455 | 32,848 | NA | |
| Total risk-weighted assets | NA | 317,135 | 294,939 | 281,887 | 294,545 | NA | |
| Average total assets for the leverage ratio | 391,394 | 377,914 | 369,008 | 362,069 | 353,969 | 348,588 | 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 | 9.11% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 10.32% | 10.32% | 11.12% | 8.66% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.85% | 10.85% | 11.69% | 8.67% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.02% | 11.02% | 11.87% | 8.58% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.35% | 10.35% | 11.15% | 8.61% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 8.58% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 8.79% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.12% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.38% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.20% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.54% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.47% | 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 |
|---|---|---|---|---|---|---|
| Central Bank (this bank) | CBLR | NA | NA | NA | 9.11% | |
| The Home Loan Savings Bank | $386.7M | Risk-based | 14.63% | 14.63% | 15.88% | 11.68% |
| Bankgloucester | $386.9M | Risk-based | 13.48% | 13.48% | 14.73% | 8.70% |
| First National Bank & Trust | $386.4M | Risk-based | 15.32% | 15.32% | 16.58% | 9.48% |
| Lincoln Federal Savings Bank of Nebraska | $387.3M | Risk-based | 18.27% | 18.29% | 19.55% | 11.70% |
| Fox Valley Savings Bank | $387.3M | CBLR | NA | NA | NA | 15.44% |
| First National Bank of Clarksdale | $386.1M | CBLR | NA | NA | NA | 12.83% |
| Security Federal Savings Bank of McMinnville | $386.0M | Risk-based | 15.12% | 15.12% | 16.20% | 11.91% |
| First United National Bank | $385.8M | Risk-based | 16.79% | 16.79% | 17.35% | 8.16% |
| Yoakum Bank | $385.8M | CBLR | NA | NA | NA | 9.43% |
| Peer 25th percentile | 14.75% | 14.75% | 15.96% | 9.43% | ||
| Peer median | 15.22% | 15.22% | 16.39% | 11.68% | ||
| Peer 75th percentile | 16.42% | 16.42% | 17.16% | 11.91% | ||
| This bank's percentile | NA | NA | NA | 22 |
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/3468450/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.