Cherokee 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 13.03% +4.03 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 | $35.2M | 35,185 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $270.1M | 270,075 | RCOAA224 |
| Recomputed ratio | 13.03% | numerator / denominator | |
| Filed ratio | 13.03% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.03 pp | $10.9M | 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 | 5,591 | 5,591 | 5,591 | 5,591 | 5,591 | 5,591 | RCOAP742 |
| Retained earnings | 29,594 | 29,059 | 28,688 | 28,447 | 28,222 | 27,783 | RCOAKW00 |
| Accumulated other comprehensive income | (7,590) | (7,918) | (7,298) | (7,654) | (9,236) | (9,465) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 27,595 | 26,732 | 26,981 | 26,384 | 24,577 | 23,909 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 7,590 | 7,918 | 7,298 | 7,654 | 9,236 | 9,465 | P859 - P840 |
| Common equity Tier 1 capital | 35,185 | 34,650 | 34,279 | 34,038 | 33,813 | 33,374 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 35,185 | 34,650 | 34,279 | 34,038 | 33,813 | 33,374 | 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 | 270,075 | 270,410 | 264,270 | 257,814 | 259,278 | 255,128 | 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 | 13.03% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.81% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.97% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.20% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.04% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.08% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.92% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 13.04% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 13.03% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 13.00% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 13.10% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.88% | 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 |
|---|---|---|---|---|---|---|
| Cherokee State Bank (this bank) | CBLR | NA | NA | NA | 13.03% | |
| The Apple Creek Banking Company | $270.6M | CBLR | NA | NA | NA | 9.17% |
| Farmers & Merchants State Bank | $271.7M | Risk-based | 16.13% | 16.13% | 17.04% | 10.68% |
| The Farmers and Merchants National Bank of Nashville | $270.3M | Risk-based | 15.26% | 15.26% | 16.15% | 11.60% |
| FNB Bank | $270.3M | Risk-based | 14.21% | 14.21% | 15.46% | 10.21% |
| North Shore Trust and Savings | $270.3M | CBLR | NA | NA | NA | 25.24% |
| Citizens State Bank | $270.1M | CBLR | NA | NA | NA | 10.74% |
| Mediapolis Savings Bank | $269.9M | CBLR | NA | NA | NA | 10.20% |
| South Coast Bank & Trust | $269.8M | CBLR | NA | NA | NA | 9.90% |
| Farmers and Merchants Bank | $269.8M | CBLR | NA | NA | NA | 11.97% |
| Peer 25th percentile | 14.73% | 14.73% | 15.81% | 10.20% | ||
| Peer median | 15.26% | 15.26% | 16.15% | 10.68% | ||
| Peer 75th percentile | 15.70% | 15.70% | 16.60% | 11.60% | ||
| This bank's percentile | NA | NA | NA | 89 |
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/205542/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.