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 9.98% +0.98 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 | $8.8M | 8,770 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $87.9M | 87,898 | RCOAA224 |
| Recomputed ratio | 9.98% | numerator / denominator | |
| Filed ratio | 9.98% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.98 pp | $859K | 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 | 6,173 | 6,173 | 6,173 | 6,173 | 6,173 | 6,173 | RCOAP742 |
| Retained earnings | 2,975 | 2,847 | 2,831 | 2,683 | 2,583 | 2,468 | RCOAKW00 |
| Accumulated other comprehensive income | (8) | (2) | (2) | (13) | (13) | (13) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 9,140 | 9,018 | 9,002 | 8,843 | 8,743 | 8,628 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (370) | (376) | (376) | (365) | (365) | (365) | P859 - P840 |
| Common equity Tier 1 capital | 8,770 | 8,642 | 8,626 | 8,478 | 8,378 | 8,263 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 8,770 | 8,642 | 8,626 | 8,478 | 8,378 | 8,263 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | 478 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | 478 | |
| Total capital | NA | NA | NA | NA | NA | 8,741 | |
| Total risk-weighted assets | NA | NA | NA | NA | NA | 57,540 | |
| Average total assets for the leverage ratio | 87,898 | 84,734 | 82,386 | 78,679 | 73,248 | 64,090 | 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 | 9.98% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 10.20% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 10.47% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 10.78% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 11.44% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | Risk-based | 14.36% | 14.36% | 15.19% | 12.89% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | Risk-based | 16.84% | 16.84% | 17.74% | 14.74% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | Risk-based | 19.62% | 19.62% | 20.58% | 16.42% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 12.93% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | 16.26% | 16.26% | 17.22% | 14.33% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | 19.24% | 19.24% | 20.30% | 15.26% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 16.54% | 20.70% | 20.70% | 21.86% | 12.73% |
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 | 9.98% | |
| First State Bank | $89.8M | CBLR | NA | NA | NA | 13.18% |
| Community State Bank | $89.7M | Risk-based | 20.40% | 20.40% | 21.65% | 7.49% |
| Belt Valley Bank | $89.9M | CBLR | NA | NA | NA | 14.83% |
| The State Exchange Bank | $89.6M | CBLR | NA | NA | NA | 10.65% |
| Eureka Homestead | $89.4M | Risk-based | 40.92% | 40.92% | 42.17% | 21.12% |
| Bandera Bank | $89.3M | CBLR | NA | NA | NA | 12.29% |
| Stock Exchange Bank | $90.3M | Risk-based | 14.06% | 14.06% | 15.31% | 9.01% |
| County Savings Bank | $90.4M | Risk-based | 19.43% | 19.43% | 20.55% | 8.08% |
| Chambers State Bank | $89.2M | CBLR | NA | NA | NA | 24.74% |
| Peer 25th percentile | 18.09% | 18.09% | 19.24% | 9.01% | ||
| Peer median | 19.92% | 19.92% | 21.10% | 12.29% | ||
| Peer 75th percentile | 25.53% | 25.53% | 26.78% | 14.83% | ||
| This bank's percentile | NA | NA | NA | 33 |
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/378044/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.