Community First Bank: Regulatory Capital and Risk-Weighted Assets
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As of 2Q25, from Call Report Schedule RC-R.
Capital conservation buffer: 8.69% (2Q25), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 8.69% (RCOAH311).
What each ratio is made of, 2Q25
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 15.67% +9.17 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $59.7M | 59,733 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $381.3M | 381,265 | RCOAA223 |
| Recomputed ratio | 15.67% | numerator / denominator | |
| Filed ratio | 15.67% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.17 pp | $35.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.67% +7.67 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $59.7M | 59,733 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $381.3M | 381,265 | RCOAA223 |
| Recomputed ratio | 15.67% | numerator / denominator | |
| Filed ratio | 15.67% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.67 pp | $29.2M | capital that could be lost first |
Total risk-based capital ratio 16.69% +6.69 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $63.6M | 63,633 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $381.3M | 381,265 | RCOAA223 |
| Recomputed ratio | 16.69% | numerator / denominator | |
| Filed ratio | 16.69% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.69 pp | $25.5M | capital that could be lost first |
Tier 1 leverage ratio 9.58% +4.58 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $59.7M | 59,733 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $623.6M | 623,605 | RCOAA224 |
| Recomputed ratio | 9.58% | numerator / denominator | |
| Filed ratio | 9.58% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.58 pp | $28.6M | 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 | 2Q25 | 1Q25 | Source |
|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 27,355 | 27,355 | RCOAP742 |
| Retained earnings | 35,823 | 36,103 | RCOAKW00 |
| Accumulated other comprehensive income | (15,195) | (15,590) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 47,983 | 47,868 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 11,750 | 12,145 | P859 - P840 |
| Common equity Tier 1 capital | 59,733 | 60,013 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | RCOAP865 |
| Tier 1 capital | 59,733 | 60,013 | RCOA8274 |
| Tier 2 capital | 3,900 | 3,986 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,900 | 3,986 | RCOA5310 |
| Total capital | 63,633 | 63,999 | RCOA3792 |
| Total risk-weighted assets | 381,265 | 392,575 | RCOAA223 |
| Average total assets for the leverage ratio | 623,605 | 611,476 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q25
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $176.4M | $1.3M | 0.76% | 0.35% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $137.3M | $26.9M | 19.55% | 7.04% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $104.2M | $56.4M | 54.07% | 14.78% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $7.8M | $11.8M | 150.00% | 3.09% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $246.1M | $243.9M | 99.11% | 63.98% | RC-R Part II, item 4.d, 5.d |
| All other assets | $15.6M | $14.6M | 93.99% | 3.84% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $26.4M | $26.4M | 100.00% | 6.92% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $200 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $381.3M | ties to item 31 ($381.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $381.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $381.3M | RCONG641, ties |
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 |
|---|---|---|---|---|---|---|---|---|---|
| 2Q25 | Risk-based | 15.67% | 15.67% | 16.69% | 9.58% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.29% | 15.29% | 16.30% | 9.81% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.36% | 15.36% | 16.40% | 9.30% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.89% | 14.89% | 15.95% | 9.31% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.55% | 14.55% | 15.54% | 9.48% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.48% | 14.48% | 15.44% | 9.75% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 14.72% | 14.72% | 15.76% | 9.65% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.69% | 14.69% | 15.68% | 9.68% | 14.65% | 14.67% | 15.79% | 10.60% |
| 2Q23 | Risk-based | 15.41% | 15.41% | 16.23% | 9.88% | 14.63% | 14.65% | 15.76% | 10.48% |
| 1Q23 | Risk-based | 15.25% | 15.25% | 16.15% | 9.61% | 14.66% | 14.70% | 15.78% | 10.37% |
| 4Q22 | Risk-based | 15.41% | 15.41% | 16.43% | 9.52% | 14.44% | 14.49% | 15.55% | 10.28% |
| 3Q22 | Risk-based | 15.07% | 15.07% | 15.95% | 9.63% | 14.66% | 14.67% | 15.73% | 10.18% |
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, 2Q25
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Community First Bank (this bank) | Risk-based | 15.67% | 15.67% | 16.69% | 9.58% | |
| Thumb Bank & Trust | $673.3M | Risk-based | 13.87% | 13.87% | 14.79% | 9.29% |
| The Bank of Southside Virginia | $670.3M | CBLR | NA | NA | NA | 20.80% |
| New Tripoli Bank | $674.0M | CBLR | NA | NA | NA | 10.39% |
| Citizens Bank of Kentucky, Inc | $669.9M | Risk-based | 23.40% | 23.40% | 24.65% | 12.81% |
| First State Bank | $674.3M | CBLR | NA | NA | NA | 12.42% |
| PS Bank | $674.5M | CBLR | NA | NA | NA | 10.83% |
| The First National Bank of Bellville | $669.3M | CBLR | NA | NA | NA | 12.14% |
| Woodsville Guaranty Savings Bank | $669.2M | Risk-based | 15.88% | 15.88% | 16.95% | 8.54% |
| TXN Bank | $669.2M | Risk-based | 15.30% | 15.30% | 16.55% | 9.64% |
| Apple River State Bank | $675.2M | Risk-based | 14.15% | 14.15% | 15.02% | 9.26% |
| Peer 25th percentile | 14.15% | 14.15% | 15.02% | 9.38% | ||
| Peer median | 15.30% | 15.30% | 16.55% | 10.61% | ||
| Peer 75th percentile | 15.88% | 15.88% | 16.95% | 12.35% | ||
| This bank's percentile | 60 | 60 | 60 | 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/2642598/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.