Community Banking Company: 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 11.26% +2.26 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 | $33.7M | 33,699 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $299.4M | 299,365 | RCOAA224 |
| Recomputed ratio | 11.26% | numerator / denominator | |
| Filed ratio | 11.26% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.26 pp | $6.8M | 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 | 10,814 | 10,814 | 10,814 | 10,814 | 10,814 | 10,814 | RCOAP742 |
| Retained earnings | 24,553 | 23,328 | 22,578 | 23,317 | 22,094 | 21,045 | RCOAKW00 |
| Accumulated other comprehensive income | (90) | (90) | (77) | (91) | (93) | (120) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 35,277 | 34,052 | 33,315 | 34,040 | 32,815 | 31,739 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,578) | (1,578) | (1,591) | (1,577) | (1,575) | (1,548) | P859 - P840 |
| Common equity Tier 1 capital | 33,699 | 32,474 | 31,724 | 32,463 | 31,240 | 30,191 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 33,699 | 32,474 | 31,724 | 32,463 | 31,240 | 30,191 | 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 | 299,365 | 298,993 | 288,864 | 281,681 | 275,513 | 275,900 | 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 | 11.26% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.86% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.98% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.52% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.34% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.94% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.12% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.61% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.20% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.89% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.96% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.82% | 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 Banking Company (this bank) | CBLR | NA | NA | NA | 11.26% | |
| Farmers Bank | $297.3M | CBLR | NA | NA | NA | 13.02% |
| St. Johns Bank & Trust Company | $297.1M | CBLR | NA | NA | NA | 12.27% |
| Merchants and Farmers Bank | $297.6M | Risk-based | 12.33% | 12.33% | 13.58% | 10.74% |
| First Security Bank of Nevada | $297.7M | CBLR | NA | NA | NA | 26.27% |
| SSB Community Bank | $296.8M | Risk-based | 9.58% | 9.58% | 10.66% | 7.36% |
| First National Bank of Commerce | $296.6M | CBLR | NA | NA | NA | 10.65% |
| Laona State Bank | $296.6M | CBLR | NA | NA | NA | 9.63% |
| Natbank, N.A. | $296.5M | Risk-based | 60.93% | 60.93% | 62.18% | 29.81% |
| Redstone Bank | $298.2M | CBLR | NA | NA | NA | 11.98% |
| Leighton State Bank | $298.2M | CBLR | NA | NA | NA | 10.99% |
| Peer 25th percentile | 10.95% | 10.95% | 12.12% | 10.67% | ||
| Peer median | 12.33% | 12.33% | 13.58% | 11.48% | ||
| Peer 75th percentile | 36.63% | 36.63% | 37.88% | 12.83% | ||
| 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/553038/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.