Connect 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 15.92% +6.92 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 | $20.0M | 19,957 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $125.4M | 125,384 | RCOAA224 |
| Recomputed ratio | 15.92% | numerator / denominator | |
| Filed ratio | 15.92% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +6.92 pp | $8.7M | 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 | 750 | 750 | 750 | 750 | 750 | 750 | RCOAP742 |
| Retained earnings | 19,207 | 18,508 | 17,867 | 19,039 | 18,370 | 17,753 | RCOAKW00 |
| Accumulated other comprehensive income | (3,838) | (3,754) | (3,648) | (3,848) | (4,298) | (4,360) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 16,119 | 15,504 | 14,969 | 15,941 | 14,822 | 14,143 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,838 | 3,754 | 3,648 | 3,848 | 4,298 | 4,360 | P859 - P840 |
| Common equity Tier 1 capital | 19,957 | 19,258 | 18,617 | 19,789 | 19,120 | 18,503 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 19,957 | 19,258 | 18,617 | 19,789 | 19,120 | 18,503 | 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 | 125,384 | 127,037 | 124,863 | 121,308 | 121,074 | 118,450 | 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 | 15.92% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 15.16% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 14.91% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 16.31% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 15.79% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 15.62% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 22.34% | 22.34% | 23.60% | 14.94% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 16.27% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 15.93% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 15.53% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 14.84% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 18.32% | 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 |
|---|---|---|---|---|---|---|
| Connect Bank (this bank) | CBLR | NA | NA | NA | 15.92% | |
| Home Banking Company | $124.0M | CBLR | NA | NA | NA | 10.08% |
| Stockmens National Bank in Cotulla | $124.1M | CBLR | NA | NA | NA | 10.62% |
| DNB National Bank | $124.1M | Risk-based | 22.04% | 22.04% | 22.98% | 8.89% |
| First State Bank of Golva | $123.5M | Risk-based | 15.38% | 15.38% | 16.30% | 9.02% |
| State Bank of New Richland | $124.2M | Risk-based | 11.97% | 11.97% | 12.91% | 9.96% |
| Princeville State Bank | $124.4M | CBLR | NA | NA | NA | 9.23% |
| Woodsfield Savings Bank | $123.3M | Risk-based | 14.23% | 14.23% | 15.48% | 8.61% |
| The Samson Banking Company | $124.5M | CBLR | NA | NA | NA | 14.76% |
| Adelphi Bank | $124.5M | CBLR | NA | NA | NA | 15.82% |
| Wilson State Bank | $123.1M | Risk-based | 12.52% | 12.52% | 13.31% | 9.48% |
| Peer 25th percentile | 12.52% | 12.52% | 13.31% | 9.07% | ||
| Peer median | 14.23% | 14.23% | 15.48% | 9.72% | ||
| Peer 75th percentile | 15.38% | 15.38% | 16.30% | 10.48% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/126049/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.