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 15.42% +6.42 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 | $331.3M | 331,318 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.15B | 2,148,702 | RCOAA224 |
| Recomputed ratio | 15.42% | numerator / denominator | |
| Filed ratio | 15.42% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +6.42 pp | $137.9M | 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 | 2,100 | 2,100 | 2,100 | 2,100 | 2,100 | 2,100 | RCOAP742 |
| Retained earnings | 335,009 | 324,435 | 320,351 | 311,425 | 303,875 | 297,536 | RCOAKW00 |
| Accumulated other comprehensive income | (17,096) | (15,096) | (13,754) | (15,176) | (21,008) | (22,713) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 320,013 | 311,439 | 308,697 | 298,349 | 284,967 | 276,923 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 11,305 | 9,041 | 7,434 | 8,592 | 14,354 | 15,600 | P859 - P840 |
| Common equity Tier 1 capital | 331,318 | 320,480 | 316,131 | 306,941 | 299,321 | 292,523 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 331,318 | 320,480 | 316,131 | 306,941 | 299,321 | 292,523 | 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 | 2,148,702 | 2,111,694 | 2,103,807 | 2,079,636 | 2,044,609 | 2,036,619 | 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 | 15.42% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 15.18% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 15.03% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 14.76% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 14.64% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 14.36% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 14.02% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 13.81% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 13.63% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 13.42% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 13.10% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 13.26% | 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 |
|---|---|---|---|---|---|---|
| Central Bank (this bank) | CBLR | NA | NA | NA | 15.42% | |
| Cfbank N.A. | $2.17B | Risk-based | 13.55% | 13.55% | 14.76% | 11.64% |
| United Bank | $2.16B | Risk-based | 24.35% | 24.35% | 25.61% | 12.75% |
| Isabella Bank | $2.17B | Risk-based | 11.49% | 11.49% | 12.39% | 8.93% |
| Kennebunk Savings Bank | $2.17B | CBLR | NA | NA | NA | 10.56% |
| Norway Savings Bank | $2.16B | CBLR | NA | NA | NA | 14.07% |
| Security State Bank & Trust | $2.18B | CBLR | NA | NA | NA | 12.58% |
| Thomasville National Bank | $2.18B | Risk-based | 12.60% | 12.60% | 13.87% | 10.75% |
| Citizens National Bank of Texas | $2.19B | Risk-based | 13.55% | 13.55% | 14.75% | 12.20% |
| Peer 25th percentile | 12.60% | 12.60% | 13.87% | 10.70% | ||
| Peer median | 13.55% | 13.55% | 14.75% | 11.92% | ||
| Peer 75th percentile | 13.55% | 13.55% | 14.76% | 12.63% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/622774/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.