Choice Financial Group: 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 10.84% +1.84 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 | $670.0M | 670,020 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $6.18B | 6,178,917 | RCOAA224 |
| Recomputed ratio | 10.84% | numerator / denominator | |
| Filed ratio | 10.84% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.84 pp | $113.9M | 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 | 308,310 | 307,881 | 307,563 | 307,043 | 306,358 | 305,670 | RCOAP742 |
| Retained earnings | 419,170 | 398,622 | 379,158 | 361,488 | 344,099 | 326,446 | RCOAKW00 |
| Accumulated other comprehensive income | (8,796) | (6,500) | (3,546) | (9,385) | (13,060) | (12,765) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 718,684 | 700,003 | 683,175 | 659,146 | 637,397 | 619,351 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (48,664) | (51,005) | (54,116) | (48,229) | (44,386) | (44,529) | P859 - P840 |
| Common equity Tier 1 capital | 670,020 | 648,998 | 629,059 | 610,917 | 593,011 | 574,822 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 670,020 | 648,998 | 629,059 | 610,917 | 593,011 | 574,822 | 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 | 6,178,917 | 5,991,751 | 5,876,110 | 5,729,335 | 5,573,664 | 5,522,995 | 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 | 10.84% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 10.83% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 10.71% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 10.66% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 10.64% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 10.41% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 10.77% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 11.23% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 10.38% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 9.78% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 9.35% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 9.04% | 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 |
|---|---|---|---|---|---|---|
| Choice Financial Group (this bank) | CBLR | NA | NA | NA | 10.84% | |
| Northbrook Bank & Trust Company, N.A. | $6.37B | Risk-based | 11.16% | 11.16% | 11.84% | 9.38% |
| Five Star Bank | $6.29B | Risk-based | 12.72% | 12.72% | 13.69% | 10.87% |
| United Fidelity Bank, FSB | $6.49B | Risk-based | 11.08% | 13.26% | 15.09% | 10.16% |
| TrustCo Bank | $6.52B | Risk-based | 14.48% | 14.48% | 15.73% | 8.38% |
| Mercantile Bank | $6.24B | Risk-based | 12.59% | 12.59% | 13.54% | 11.61% |
| Horizon Bank | $6.55B | Risk-based | 12.60% | 12.60% | 13.60% | 10.52% |
| The Washington Trust Company, of Westerly | $6.55B | Risk-based | 12.22% | 12.22% | 13.15% | 8.92% |
| First International Bank and Trust | $6.18B | Risk-based | 10.68% | 10.68% | 11.71% | 9.06% |
| First Financial Bank, N.A. | $6.17B | Risk-based | 12.62% | 12.62% | 13.63% | 10.36% |
| Peer 25th percentile | 11.16% | 12.22% | 13.15% | 9.06% | ||
| Peer median | 12.59% | 12.60% | 13.60% | 10.16% | ||
| Peer 75th percentile | 12.62% | 12.72% | 13.69% | 10.52% | ||
| This bank's percentile | NA | NA | NA | 78 |
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/826956/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.