Citizens State Bank of Loyal: 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 11.48% +2.48 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 | $35.9M | 35,946 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $313.2M | 313,243 | RCOAA224 |
| Recomputed ratio | 11.48% | numerator / denominator | |
| Filed ratio | 11.48% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.48 pp | $7.8M | 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 | 6,500 | 6,500 | 6,500 | 6,500 | 6,500 | 6,500 | RCOAP742 |
| Retained earnings | 29,721 | 29,620 | 28,721 | 28,516 | 27,653 | 27,394 | RCOAKW00 |
| Accumulated other comprehensive income | (4,396) | (5,210) | (4,533) | (4,979) | (5,959) | (6,691) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 31,825 | 30,910 | 30,688 | 30,037 | 28,194 | 27,203 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,121 | 5,210 | 4,533 | 4,979 | 5,959 | 6,691 | P859 - P840 |
| Common equity Tier 1 capital | 35,946 | 36,120 | 35,221 | 35,016 | 34,153 | 33,894 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 35,946 | 36,120 | 35,221 | 35,016 | 34,153 | 33,894 | RCOA8274 |
| Tier 2 capital | NA | 2,090 | 2,058 | 2,044 | 2,042 | 2,041 | |
| Allowance includable in Tier 2 capital | NA | 2,090 | 2,058 | 2,044 | 2,042 | 2,041 | |
| Total capital | NA | 38,210 | 37,279 | 37,060 | 36,195 | 35,935 | |
| Total risk-weighted assets | NA | 207,690 | 211,511 | 207,751 | 215,786 | 216,728 | |
| Average total assets for the leverage ratio | 313,243 | 316,342 | 310,817 | 320,187 | 315,615 | 309,099 | 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 | 11.48% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 17.39% | 17.39% | 18.40% | 11.42% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 16.65% | 16.65% | 17.63% | 11.33% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 16.85% | 16.85% | 17.84% | 10.94% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 15.83% | 15.83% | 16.77% | 10.82% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.64% | 15.64% | 16.58% | 10.97% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.45% | 15.45% | 16.38% | 10.75% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.93% | 15.93% | 16.90% | 11.08% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.95% | 14.95% | 15.89% | 11.21% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.32% | 15.32% | 16.29% | 11.13% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.36% | 15.36% | 16.43% | 11.08% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.26% | 15.26% | 16.31% | 11.28% | 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 |
|---|---|---|---|---|---|---|
| Citizens State Bank of Loyal (this bank) | CBLR | NA | NA | NA | 11.48% | |
| Horatio State Bank | $311.5M | CBLR | NA | NA | NA | 12.03% |
| Bank of Millbrook | $311.7M | Risk-based | 24.32% | 24.32% | 25.58% | 12.11% |
| 1st Bank of Sea Isle City | $311.1M | Risk-based | 16.48% | 16.48% | 17.27% | 9.72% |
| Wray State Bank | $312.0M | CBLR | NA | NA | NA | 9.92% |
| Goppert Financial Bank | $312.0M | CBLR | NA | NA | NA | 10.07% |
| Carthage Savings and Loan, N.A. | $312.1M | Risk-based | 25.26% | 25.26% | 26.25% | 12.86% |
| The Union Bank | $312.2M | CBLR | NA | NA | NA | 10.12% |
| Neighborhood National Bank | $312.2M | Risk-based | 16.54% | 16.54% | 17.56% | 11.24% |
| Community Bank | $310.8M | Risk-based | 23.98% | 23.98% | 24.99% | 16.02% |
| Seneca Savings Bank, N.A. | $312.5M | CBLR | NA | NA | NA | 9.84% |
| Peer 25th percentile | 16.54% | 16.54% | 17.56% | 9.96% | ||
| Peer median | 23.98% | 23.98% | 24.99% | 10.68% | ||
| Peer 75th percentile | 24.32% | 24.32% | 25.58% | 12.09% | ||
| This bank's percentile | NA | NA | NA | 60 |
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/479446/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.