Charter 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 11.03% +2.03 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 | $25.2M | 25,208 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $228.5M | 228,513 | RCOAA224 |
| Recomputed ratio | 11.03% | numerator / denominator | |
| Filed ratio | 11.03% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.03 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 | 4,446 | 4,446 | 4,446 | 4,446 | 4,446 | 4,446 | RCOAP742 |
| Retained earnings | 20,762 | 20,175 | 19,585 | 19,960 | 19,460 | 19,005 | RCOAKW00 |
| Accumulated other comprehensive income | (1,762) | (2,036) | (1,782) | (2,027) | (2,660) | (3,191) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 23,446 | 22,585 | 22,249 | 22,379 | 21,246 | 20,260 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,762 | 2,036 | 1,782 | 2,027 | 2,660 | 3,191 | P859 - P840 |
| Common equity Tier 1 capital | 25,208 | 24,621 | 24,031 | 24,406 | 23,906 | 23,451 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 25,208 | 24,621 | 24,031 | 24,406 | 23,906 | 23,451 | 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 | 228,513 | 227,413 | 219,075 | 215,972 | 215,301 | 210,918 | 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 | 11.03% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.83% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.97% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.30% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.10% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.12% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.41% | 15.41% | 16.32% | 11.02% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 16.59% | 16.59% | 17.53% | 11.56% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 16.81% | 16.81% | 17.76% | 11.31% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 16.54% | 16.54% | 17.47% | 11.05% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 16.52% | 16.52% | 17.44% | 10.85% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 16.45% | 16.45% | 17.37% | 10.86% | 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 |
|---|---|---|---|---|---|---|
| Charter Bank (this bank) | CBLR | NA | NA | NA | 11.03% | |
| Embassy National Bank | $227.9M | Risk-based | 13.64% | 13.64% | 14.77% | 10.95% |
| Stockgrowers State Bank | $227.1M | CBLR | NA | NA | NA | 14.13% |
| Neighborhood National Bank | $228.0M | CBLR | NA | NA | NA | 11.63% |
| Muenster State Bank | $227.0M | CBLR | NA | NA | NA | 14.78% |
| Bank of Wiggins | $228.1M | CBLR | NA | NA | NA | 12.93% |
| Eagle Bank | $226.9M | Risk-based | 22.37% | 22.37% | 23.62% | 14.35% |
| Community Bank of Cameron | $226.9M | Risk-based | 13.42% | 13.42% | 14.67% | 9.00% |
| United Bank and Trust Company | $228.4M | CBLR | NA | NA | NA | 14.83% |
| Peer 25th percentile | 13.53% | 13.53% | 14.72% | 11.46% | ||
| Peer median | 13.64% | 13.64% | 14.77% | 13.53% | ||
| Peer 75th percentile | 18.01% | 18.01% | 19.19% | 14.45% | ||
| This bank's percentile | NA | NA | NA | 25 |
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/2705112/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.