The Colorado Bank and Trust Company of La Junta: 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 10.33% +1.33 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 | $33.9M | 33,896 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $328.3M | 328,287 | RCOAA224 |
| Recomputed ratio | 10.33% | numerator / denominator | |
| Filed ratio | 10.33% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.33 pp | $4.3M | 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 | 30,047 | 30,047 | 30,047 | 30,048 | 30,047 | 30,047 | RCOAP742 |
| Retained earnings | 7,129 | 6,393 | 6,028 | 5,118 | 4,461 | 3,827 | RCOAKW00 |
| Accumulated other comprehensive income | (287) | (227) | (14) | (33) | (45) | (38) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 36,889 | 36,213 | 36,061 | 35,133 | 34,463 | 33,836 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,993) | (3,272) | (3,653) | (2,463) | (2,530) | (2,617) | P859 - P840 |
| Common equity Tier 1 capital | 33,896 | 32,941 | 32,408 | 32,670 | 31,933 | 31,219 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 33,896 | 32,941 | 32,408 | 32,670 | 31,933 | 31,219 | 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 | 328,287 | 316,388 | 292,648 | 259,088 | 255,624 | 250,965 | 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 | 10.33% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.41% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 11.07% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.61% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.49% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 12.44% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 13.55% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 13.82% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 15.01% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 14.92% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 14.77% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 15.27% | 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 |
|---|---|---|---|---|---|---|
| The Colorado Bank and Trust Company of La Junta (this bank) | CBLR | NA | NA | NA | 10.33% | |
| Viking Bank, N.A. | $330.3M | CBLR | NA | NA | NA | 9.19% |
| High Plains Bank | $330.2M | CBLR | NA | NA | NA | 10.76% |
| New Carlisle Federal Savings Bank | $330.5M | Risk-based | 10.05% | 10.05% | 10.79% | 8.42% |
| Commercial National Bank of Texarkana | $330.1M | Risk-based | 14.46% | 14.46% | 15.63% | 10.01% |
| Texana Bank, N.A. | $330.6M | CBLR | NA | NA | NA | 9.06% |
| Patterson State Bank | $330.7M | Risk-based | 17.03% | 17.03% | 18.28% | 8.92% |
| Northern State Bank | $330.8M | Risk-based | 17.11% | 17.11% | 18.08% | 9.92% |
| Woodlands National Bank | $331.0M | Risk-based | 23.71% | 23.71% | 24.94% | 11.20% |
| The Farmers State Bank | $329.6M | CBLR | NA | NA | NA | 10.86% |
| Peer 25th percentile | 14.46% | 14.46% | 15.63% | 9.06% | ||
| Peer median | 17.03% | 17.03% | 18.08% | 9.92% | ||
| Peer 75th percentile | 17.11% | 17.11% | 18.28% | 10.76% | ||
| This bank's percentile | NA | NA | NA | 67 |
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/285151/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.