Community Bank: Regulatory Capital and Risk-Weighted Assets
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As of 1Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 1Q26
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 10.86% +1.86 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 | $14.7M | 14,748 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $135.8M | 135,765 | RCOAA224 |
| Recomputed ratio | 10.86% | numerator / denominator | |
| Filed ratio | 10.86% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.86 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 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 17,974 | 17,974 | 2,000 | 2,000 | 2,000 | RCOAP742 |
| Retained earnings | 707 | 102 | 8,047 | 12,823 | 12,533 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | (401) | (5,764) | (5,530) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 18,681 | 18,076 | 9,646 | 9,059 | 9,003 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (3,933) | (3,998) | 401 | 5,764 | 5,530 | P859 - P840 |
| Common equity Tier 1 capital | 14,748 | 14,078 | 10,047 | 14,823 | 14,533 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 14,748 | 14,078 | 10,047 | 14,823 | 14,533 | RCOA8274 |
| Tier 2 capital | NA | NA | 887 | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | 887 | NA | NA | |
| Total capital | NA | NA | 10,934 | NA | NA | |
| Total risk-weighted assets | NA | NA | 134,993 | NA | NA | |
| Average total assets for the leverage ratio | 135,765 | 135,600 | 130,953 | 132,155 | 135,272 | 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 |
|---|---|---|---|---|---|---|---|---|---|
| 1Q26 | CBLR | NA | NA | NA | 10.86% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.38% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 7.44% | 7.44% | 8.10% | 7.67% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.22% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.74% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 16.82% | 16.82% | 17.85% | 10.64% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 17.66% | 17.66% | 18.73% | 11.84% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 17.39% | 17.39% | 18.45% | 12.01% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 17.78% | 17.78% | 18.88% | 11.63% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 17.86% | 17.86% | 18.99% | 13.17% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 19.30% | 19.30% | 20.52% | 13.14% | 14.65% | 14.67% | 15.79% | 10.60% |
| 2Q23 | Risk-based | 18.85% | 18.85% | 20.05% | 12.95% | 14.63% | 14.65% | 15.76% | 10.48% |
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, 1Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Community Bank (this bank) | CBLR | NA | NA | NA | 10.86% | |
| Bank of Cadiz and Trust Company | $142.9M | Risk-based | 15.43% | 15.43% | 16.43% | 8.87% |
| Farmers and Merchants State Bank | $143.1M | CBLR | NA | NA | NA | 14.79% |
| River Falls State Bank | $143.2M | CBLR | NA | NA | NA | 11.49% |
| National Bank of St. Anne | $143.2M | Risk-based | 11.25% | 11.25% | 12.40% | 9.13% |
| Bank of Winona | $142.7M | Risk-based | 33.56% | 33.56% | 34.81% | 12.87% |
| Bank of Crocker | $143.3M | Risk-based | 29.35% | 29.35% | 30.57% | 12.41% |
| Citizens Community Bank | $142.6M | CBLR | NA | NA | NA | 11.58% |
| First National Bank in Cimarron | $143.5M | Risk-based | 15.86% | 15.86% | 16.93% | 8.93% |
| Settlers Bank | $142.4M | CBLR | NA | NA | NA | 16.46% |
| Peer 25th percentile | 15.43% | 15.43% | 16.43% | 9.13% | ||
| Peer median | 15.86% | 15.86% | 16.93% | 11.58% | ||
| Peer 75th percentile | 29.35% | 29.35% | 30.57% | 12.87% | ||
| This bank's percentile | NA | NA | NA | 33 |
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/250850/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.