Community Bank of Parkersburg: 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 9.90% +0.90 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 | $32.2M | 32,163 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $325.0M | 324,984 | RCOAA224 |
| Recomputed ratio | 9.90% | numerator / denominator | |
| Filed ratio | 9.90% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.90 pp | $2.9M | 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 | 1,200 | 1,200 | 1,200 | 1,200 | 1,200 | 1,200 | RCOAP742 |
| Retained earnings | 30,963 | 30,576 | 30,208 | 29,776 | 29,299 | 28,926 | RCOAKW00 |
| Accumulated other comprehensive income | (725) | (685) | (419) | (525) | (753) | (909) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 31,438 | 31,091 | 30,989 | 30,451 | 29,746 | 29,217 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 725 | 685 | 419 | 525 | 753 | 909 | P859 - P840 |
| Common equity Tier 1 capital | 32,163 | 31,776 | 31,408 | 30,976 | 30,499 | 30,126 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 32,163 | 31,776 | 31,408 | 30,976 | 30,499 | 30,126 | 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 | 324,984 | 323,738 | 326,231 | 331,282 | 329,669 | 322,459 | 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 | 9.90% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.82% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.63% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.35% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.25% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.34% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.55% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.72% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.70% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.85% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.98% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.21% | 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 Parkersburg (this bank) | CBLR | NA | NA | NA | 9.90% | |
| Alamosa State Bank | $340.3M | Risk-based | 22.11% | 22.11% | 23.30% | 12.85% |
| Genesis Bank | $340.3M | Risk-based | 15.51% | 18.12% | 19.38% | 11.01% |
| The Cleveland State Bank | $340.2M | CBLR | NA | NA | NA | 11.18% |
| The National Bank of Andrews | $340.5M | Risk-based | 13.19% | 13.19% | 14.44% | 10.11% |
| Riverhills Bank | $340.8M | Risk-based | 13.11% | 13.11% | 14.37% | 10.69% |
| Farmers State Bank | $339.8M | Risk-based | 18.61% | 18.61% | 19.52% | 15.02% |
| Ozark Bank | $341.0M | CBLR | NA | NA | NA | 9.23% |
| Integrity Bank SSB | $339.6M | Risk-based | 23.67% | 23.67% | 24.92% | 14.48% |
| Kaw Valley Bank | $339.5M | CBLR | NA | NA | NA | 11.90% |
| Bank of Alma | $339.5M | Risk-based | 77.90% | 77.90% | 79.15% | 50.77% |
| Peer 25th percentile | 14.35% | 15.66% | 16.91% | 10.77% | ||
| Peer median | 18.61% | 18.61% | 19.52% | 11.54% | ||
| Peer 75th percentile | 22.89% | 22.89% | 24.11% | 14.07% | ||
| 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/901134/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.