Community Bank of Santa Maria: 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 10.49% +1.49 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 | $42.4M | 42,406 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $404.4M | 404,379 | RCOAA224 |
| Recomputed ratio | 10.49% | numerator / denominator | |
| Filed ratio | 10.49% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.49 pp | $6.0M | 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 | 19,294 | 19,276 | 19,258 | 19,232 | 19,205 | 19,179 | RCOAP742 |
| Retained earnings | 23,112 | 22,652 | 26,297 | 25,128 | 24,745 | 25,298 | RCOAKW00 |
| Accumulated other comprehensive income | (3,878) | (4,218) | (3,832) | (4,458) | (6,084) | (6,114) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 38,528 | 37,710 | 41,723 | 39,902 | 37,866 | 38,363 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,878 | 4,218 | 3,832 | 4,458 | 6,084 | 6,114 | P859 - P840 |
| Common equity Tier 1 capital | 42,406 | 41,928 | 45,555 | 44,360 | 43,950 | 44,477 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 42,406 | 41,928 | 45,555 | 44,360 | 43,950 | 44,477 | RCOA8274 |
| Tier 2 capital | NA | 3,151 | 3,076 | 3,076 | 3,037 | 2,802 | |
| Allowance includable in Tier 2 capital | NA | 3,151 | 3,076 | 3,076 | 3,037 | 2,802 | |
| Total capital | NA | 45,079 | 48,631 | 47,436 | 46,987 | 47,279 | |
| Total risk-weighted assets | NA | 315,328 | 312,588 | 310,864 | 310,039 | 293,799 | |
| Average total assets for the leverage ratio | 404,379 | 414,808 | 426,441 | 424,309 | 416,344 | 412,673 | 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 | 10.49% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.30% | 13.30% | 14.30% | 10.11% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.57% | 14.57% | 15.56% | 10.68% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.27% | 14.27% | 15.26% | 10.45% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.18% | 14.18% | 15.16% | 10.56% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.14% | 15.14% | 16.09% | 10.78% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.27% | 15.27% | 16.23% | 10.54% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.11% | 15.11% | 16.08% | 10.33% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.52% | 14.52% | 15.45% | 10.21% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.11% | 15.11% | 16.07% | 10.38% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.21% | 15.21% | 16.21% | 9.92% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.91% | 14.91% | 15.91% | 9.61% | 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 Santa Maria (this bank) | CBLR | NA | NA | NA | 10.49% | |
| The Clinton National Bank | $396.4M | CBLR | NA | NA | NA | 13.44% |
| Union Bank | $396.7M | Risk-based | 9.77% | 9.77% | 10.96% | 8.83% |
| First Secure Bank and Trust Co. | $396.2M | Risk-based | 13.68% | 13.68% | 14.86% | 11.49% |
| Locality Bank | $396.2M | CBLR | NA | NA | NA | 12.91% |
| First Iowa State Bank | $396.1M | CBLR | NA | NA | NA | 10.20% |
| The Shelby State Bank | $397.0M | Risk-based | 13.75% | 13.75% | 14.75% | 9.06% |
| The Farmers State Bank of Oakley, Kansas | $396.1M | Risk-based | 13.07% | 13.07% | 13.71% | 11.61% |
| The Citizens National Bank of Park Rapids | $397.0M | CBLR | NA | NA | NA | 11.70% |
| Volunteer Federal Savings Bank | $397.1M | Risk-based | 22.55% | 22.55% | 23.17% | 11.23% |
| Grant County State Bank | $395.7M | Risk-based | 17.55% | 17.55% | 18.81% | 11.73% |
| Peer 25th percentile | 13.22% | 13.22% | 13.97% | 10.46% | ||
| Peer median | 13.71% | 13.71% | 14.80% | 11.55% | ||
| Peer 75th percentile | 16.60% | 16.60% | 17.82% | 11.72% | ||
| This bank's percentile | NA | NA | NA | 30 |
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/2997216/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.