Community Bank of Louisiana: 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 10.13% +1.13 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 | $89.6M | 89,572 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $884.0M | 883,960 | RCOAA224 |
| Recomputed ratio | 10.13% | numerator / denominator | |
| Filed ratio | 10.13% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.13 pp | $10.0M | 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 | 47,700 | 47,700 | 47,700 | 47,700 | 47,700 | 47,700 | RCOAP742 |
| Retained earnings | 41,872 | 41,814 | 35,233 | 32,640 | 32,071 | 29,919 | RCOAKW00 |
| Accumulated other comprehensive income | (30,682) | (30,567) | (30,738) | (34,330) | (46,961) | (41,680) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 58,890 | 58,947 | 52,195 | 46,010 | 32,810 | 35,939 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 30,682 | 30,567 | 30,738 | 34,330 | 46,961 | 41,680 | P859 - P840 |
| Common equity Tier 1 capital | 89,572 | 89,514 | 82,933 | 80,340 | 79,771 | 77,619 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 89,572 | 89,514 | 82,933 | 80,340 | 79,771 | 77,619 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | 1,451 | 1,451 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | 1,451 | 1,451 | |
| Total capital | NA | NA | NA | NA | 81,222 | 79,070 | |
| Total risk-weighted assets | NA | NA | NA | NA | 375,141 | 375,800 | |
| Average total assets for the leverage ratio | 883,960 | 887,067 | 855,048 | 852,359 | 844,501 | 855,648 | 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 | 10.13% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.09% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.70% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.43% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 21.26% | 21.26% | 21.65% | 9.45% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 20.65% | 20.65% | 21.04% | 9.07% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 21.59% | 21.59% | 21.99% | 9.54% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 19.96% | 19.96% | 20.35% | 8.90% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 19.70% | 19.70% | 20.06% | 8.60% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 19.97% | 19.97% | 20.33% | 8.62% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 20.22% | 20.22% | 20.59% | 10.34% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 20.51% | 20.51% | 20.89% | 9.79% | 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 |
|---|---|---|---|---|---|---|
| Community Bank of Louisiana (this bank) | CBLR | NA | NA | NA | 10.13% | |
| Community National Bank | $853.1M | Risk-based | 15.29% | 15.29% | 16.24% | 9.66% |
| Texas National Bank of Jacksonville | $852.4M | Risk-based | 15.31% | 15.31% | 16.57% | 10.08% |
| Focus Bank | $854.1M | CBLR | NA | NA | NA | 12.61% |
| PSB Bank | $854.5M | Risk-based | 9.37% | 9.37% | 10.39% | 8.12% |
| Skowhegan Savings Bank | $855.0M | Risk-based | 22.46% | 22.46% | 23.56% | 15.81% |
| Harmony Bank | $855.3M | Risk-based | 14.88% | 14.88% | 15.98% | 11.90% |
| Freedom Bank of Southern Missouri | $850.1M | Risk-based | 10.65% | 10.65% | 11.54% | 8.72% |
| Bna Bank | $855.7M | Risk-based | 18.04% | 18.04% | 18.88% | 12.49% |
| First Commercial Bank (U.S.A) | $849.9M | Risk-based | 29.19% | 29.19% | 30.44% | 23.27% |
| Pendleton Community Bank, Inc. | $849.7M | Risk-based | 10.58% | 10.58% | 11.48% | 8.67% |
| Peer 25th percentile | 10.65% | 10.65% | 11.54% | 8.96% | ||
| Peer median | 15.29% | 15.29% | 16.24% | 10.99% | ||
| Peer 75th percentile | 18.04% | 18.04% | 18.88% | 12.58% | ||
| This bank's percentile | NA | NA | NA | 50 |
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/974754/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.