Community First Bank: 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 10.95% +1.95 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 | $68.8M | 68,836 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $628.5M | 628,456 | RCOAA224 |
| Recomputed ratio | 10.95% | numerator / denominator | |
| Filed ratio | 10.95% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.95 pp | $12.3M | 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 | 12,169 | 12,169 | 12,169 | 12,169 | 12,169 | 12,169 | RCOAP742 |
| Retained earnings | 63,023 | 61,165 | 59,962 | 58,378 | 56,625 | 55,420 | RCOAKW00 |
| Accumulated other comprehensive income | (11,300) | (11,139) | (10,363) | (11,463) | (13,189) | (14,732) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 63,892 | 62,195 | 61,768 | 59,084 | 55,605 | 52,857 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,944 | 4,766 | 3,973 | 5,056 | 6,766 | 8,289 | P859 - P840 |
| Common equity Tier 1 capital | 68,836 | 66,961 | 65,741 | 64,140 | 62,371 | 61,146 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 68,836 | 66,961 | 65,741 | 64,140 | 62,371 | 61,146 | RCOA8274 |
| Tier 2 capital | NA | 5,236 | 5,156 | 4,990 | 4,851 | 4,789 | |
| Allowance includable in Tier 2 capital | NA | 5,236 | 5,156 | 4,990 | 4,851 | 4,789 | |
| Total capital | NA | 72,197 | 70,897 | 69,130 | 67,222 | 65,935 | |
| Total risk-weighted assets | NA | 467,045 | 464,838 | 450,147 | 457,901 | 462,148 | |
| Average total assets for the leverage ratio | 628,456 | 639,598 | 631,512 | 631,841 | 636,995 | 616,984 | 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 | 10.95% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.34% | 14.34% | 15.46% | 10.47% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.14% | 14.14% | 15.25% | 10.41% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.25% | 14.25% | 15.36% | 10.15% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.62% | 13.62% | 14.68% | 9.79% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.23% | 13.23% | 14.27% | 9.91% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.40% | 13.40% | 14.42% | 9.92% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.29% | 13.29% | 14.32% | 9.86% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.03% | 13.03% | 14.02% | 9.81% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.00% | 13.00% | 14.00% | 9.69% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.37% | 13.37% | 14.38% | 9.79% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.49% | 13.49% | 14.49% | 9.78% | 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 First Bank (this bank) | CBLR | NA | NA | NA | 10.95% | |
| The Bank of Marion | $634.1M | Risk-based | 18.18% | 18.18% | 19.22% | 11.37% |
| First National Bank Colorado | $634.3M | CBLR | NA | NA | NA | 11.76% |
| Century Savings Bank | $634.8M | CBLR | NA | NA | NA | 13.20% |
| MT. McKinley Bank | $635.2M | CBLR | NA | NA | NA | 18.85% |
| Legends Bank | $635.5M | CBLR | NA | NA | NA | 18.30% |
| First Independent Bank | $632.3M | Risk-based | 12.26% | 12.26% | 13.49% | 9.87% |
| Delta Bank | $632.0M | CBLR | NA | NA | NA | 10.04% |
| Quaint Oak Bank | $631.5M | Risk-based | 13.60% | 13.60% | 14.85% | 10.91% |
| Haverhill Bank | $636.8M | Risk-based | 14.13% | 14.13% | 14.94% | 11.17% |
| First National Bank of Louisiana | $631.1M | Risk-based | 14.03% | 14.03% | 15.16% | 11.02% |
| Peer 25th percentile | 13.60% | 13.60% | 14.85% | 10.94% | ||
| Peer median | 14.03% | 14.03% | 14.94% | 11.27% | ||
| Peer 75th percentile | 14.13% | 14.13% | 15.16% | 12.84% | ||
| 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/175140/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.