CNB St. Louis 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 9.29% +0.29 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 | $78.5M | 78,465 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $844.5M | 844,504 | RCOAA224 |
| Recomputed ratio | 9.29% | numerator / denominator | |
| Filed ratio | 9.29% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.29 pp | $2.5M | 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 | 1,500 | 1,500 | 1,500 | 1,500 | 1,500 | 1,500 | RCOAP742 |
| Retained earnings | 76,965 | 75,449 | 73,805 | 72,318 | 70,667 | 69,566 | RCOAKW00 |
| Accumulated other comprehensive income | (14,764) | (14,455) | (14,210) | (14,735) | (17,727) | (18,160) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 63,701 | 62,494 | 61,095 | 59,083 | 54,440 | 52,906 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 14,764 | 14,455 | 14,210 | 14,735 | 17,727 | 18,160 | P859 - P840 |
| Common equity Tier 1 capital | 78,465 | 76,949 | 75,305 | 73,818 | 72,167 | 71,066 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 78,465 | 76,949 | 75,305 | 73,818 | 72,167 | 71,066 | RCOA8274 |
| Tier 2 capital | NA | 9,274 | 9,134 | 9,323 | 8,956 | 8,959 | |
| Allowance includable in Tier 2 capital | NA | 9,274 | 9,134 | 9,323 | 8,956 | 8,959 | |
| Total capital | NA | 86,223 | 84,439 | 83,141 | 81,123 | 80,025 | |
| Total risk-weighted assets | NA | 738,523 | 727,385 | 742,950 | 713,391 | 714,091 | |
| Average total assets for the leverage ratio | 844,504 | 858,810 | 870,551 | 870,011 | 838,544 | 821,470 | 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 | 9.29% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 10.42% | 10.42% | 11.68% | 8.96% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.35% | 10.35% | 11.61% | 8.65% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 9.94% | 9.94% | 11.19% | 8.48% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.12% | 10.12% | 11.37% | 8.61% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 9.95% | 9.95% | 11.21% | 8.65% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.19% | 10.19% | 11.45% | 8.65% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.59% | 10.59% | 11.84% | 8.71% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.74% | 10.74% | 12.00% | 8.60% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 10.75% | 10.75% | 12.01% | 8.65% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.66% | 10.66% | 11.92% | 8.64% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.07% | 11.07% | 12.33% | 8.60% | 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 |
|---|---|---|---|---|---|---|
| CNB St. Louis Bank (this bank) | CBLR | NA | NA | NA | 9.29% | |
| FCN Bank, N.A. | $812.5M | Risk-based | 14.01% | 14.01% | 15.18% | 9.92% |
| The First Bank of Greenwich | $812.3M | Risk-based | 11.10% | 11.10% | 12.34% | 9.26% |
| Promiseone Bank | $812.2M | Risk-based | 15.70% | 15.70% | 16.82% | 10.12% |
| Cusb Bank | $812.1M | CBLR | NA | NA | NA | 12.27% |
| Minster Bank | $811.6M | Risk-based | 16.09% | 16.09% | 17.22% | 10.08% |
| Citizens 1st Bank | $811.0M | Risk-based | 38.50% | 38.50% | 39.10% | 20.52% |
| First United Bank | $810.8M | CBLR | NA | NA | NA | 10.13% |
| PB&T Bank | $815.2M | Risk-based | 12.67% | 12.67% | 13.87% | 10.64% |
| First Bank | $810.5M | Risk-based | 14.82% | 14.82% | 16.07% | 9.70% |
| First Century Bank | $809.8M | Risk-based | 11.97% | 11.97% | 13.22% | 9.44% |
| Peer 25th percentile | 12.49% | 12.49% | 13.71% | 9.75% | ||
| Peer median | 14.41% | 14.41% | 15.63% | 10.10% | ||
| Peer 75th percentile | 15.80% | 15.80% | 16.92% | 10.51% | ||
| This bank's percentile | NA | NA | NA | 10 |
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/870650/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.