Community State 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 9.62% +0.62 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 | $65.5M | 65,465 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $680.3M | 680,344 | RCOAA224 |
| Recomputed ratio | 9.62% | numerator / denominator | |
| Filed ratio | 9.62% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.62 pp | $4.2M | 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 | 13,500 | 13,500 | 13,500 | 13,500 | 13,500 | 13,500 | RCOAP742 |
| Retained earnings | 51,965 | 51,285 | 50,385 | 49,775 | 49,400 | 48,759 | RCOAKW00 |
| Accumulated other comprehensive income | (24,798) | (24,699) | (24,143) | (25,591) | (28,142) | (30,123) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 40,667 | 40,086 | 39,742 | 37,684 | 34,758 | 32,136 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 24,798 | 24,699 | 24,143 | 25,591 | 28,142 | 30,123 | P859 - P840 |
| Common equity Tier 1 capital | 65,465 | 64,785 | 63,885 | 63,275 | 62,900 | 62,259 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 65,465 | 64,785 | 63,885 | 63,275 | 62,900 | 62,259 | 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 | 680,344 | 678,394 | 656,907 | 645,293 | 641,471 | 652,118 | 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 | 9.62% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.55% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.73% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.81% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.81% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.55% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.71% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 16.72% | 16.72% | 17.97% | 9.91% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 16.40% | 16.40% | 17.65% | 9.81% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.97% | 15.97% | 17.23% | 9.50% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.04% | 15.04% | 16.29% | 9.46% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.47% | 13.47% | 14.72% | 8.32% | 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 State Bank (this bank) | CBLR | NA | NA | NA | 9.62% | |
| Bank of Odessa | $667.1M | Risk-based | 24.51% | 24.51% | 25.77% | 13.67% |
| Concordia Bank & Trust Company | $667.0M | CBLR | NA | NA | NA | 11.12% |
| Pennian Bank | $667.9M | Risk-based | 15.27% | 15.27% | 16.52% | 9.24% |
| First State Bank of Blakely | $668.2M | Risk-based | 27.02% | 27.02% | 28.27% | 19.19% |
| The Poca Valley Bank, Inc. | $666.2M | Risk-based | 11.36% | 11.36% | 12.02% | 7.78% |
| Metairie Bank & Trust Company | $666.0M | CBLR | NA | NA | NA | 11.49% |
| TXN Bank | $669.2M | CBLR | NA | NA | NA | 9.68% |
| United Community Bank | $665.5M | CBLR | NA | NA | NA | 14.47% |
| Peer 25th percentile | 14.29% | 14.29% | 15.39% | 9.57% | ||
| Peer median | 19.89% | 19.89% | 21.14% | 11.30% | ||
| Peer 75th percentile | 25.14% | 25.14% | 26.40% | 13.87% | ||
| This bank's percentile | NA | NA | NA | 25 |
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/130345/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.