Cottonwood Valley 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 14.39% +5.39 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 | $5.7M | 5,671 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $39.4M | 39,408 | RCOAA224 |
| Recomputed ratio | 14.39% | numerator / denominator | |
| Filed ratio | 14.39% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +5.39 pp | $2.1M | 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 | 1,982 | 1,982 | 1,982 | 1,982 | 1,982 | 1,982 | RCOAP742 |
| Retained earnings | 3,689 | 3,614 | 3,515 | 3,635 | 3,472 | 3,368 | RCOAKW00 |
| Accumulated other comprehensive income | (1,205) | (1,370) | (1,183) | (1,323) | (1,691) | (2,006) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 4,466 | 4,226 | 4,314 | 4,294 | 3,763 | 3,344 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,205 | 1,370 | 1,183 | 1,323 | 1,691 | 2,006 | P859 - P840 |
| Common equity Tier 1 capital | 5,671 | 5,596 | 5,497 | 5,617 | 5,454 | 5,350 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 5,671 | 5,596 | 5,497 | 5,617 | 5,454 | 5,350 | 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 | 39,408 | 38,289 | 39,405 | 39,843 | 38,451 | 37,220 | 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 | 14.39% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 14.62% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 13.95% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 14.10% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 14.18% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 14.37% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | Risk-based | 25.38% | 25.38% | 26.63% | 12.97% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 13.17% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 14.21% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 13.27% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 13.62% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 13.65% | 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 |
|---|---|---|---|---|---|---|
| Cottonwood Valley Bank (this bank) | CBLR | NA | NA | NA | 14.39% | |
| The First National Bank at Saint James | $37.9M | Risk-based | 15.51% | 15.51% | 16.77% | 8.68% |
| Farmers State Bank of Emden | $37.8M | Risk-based | 57.40% | 57.40% | 57.97% | 29.58% |
| Tucumcari Federal Savings & Loan Association | $38.4M | CBLR | NA | NA | NA | 15.22% |
| State Bank of Nauvoo | $37.7M | Risk-based | 15.77% | 15.77% | 16.68% | 8.31% |
| 2UNIFI Bank | $38.5M | Risk-based | 140.71% | 140.71% | 141.20% | 38.37% |
| Peoples State Bank, Fairmount, North Dakota | $38.5M | Risk-based | 11.38% | 11.38% | 12.25% | 8.38% |
| Houston Bank & Trust | $38.5M | CBLR | NA | NA | NA | 93.01% |
| Western National Bank of Cass Lake | $37.1M | Risk-based | 17.37% | 17.37% | 18.27% | 9.11% |
| State Bank of Jeffers | $37.1M | Risk-based | 20.98% | 20.98% | 21.98% | 14.06% |
| Pee Dee Federal Savings Bank | $37.1M | Risk-based | 42.24% | 42.24% | 43.51% | 20.51% |
| Peer 25th percentile | 15.71% | 15.71% | 16.75% | 8.79% | ||
| Peer median | 19.18% | 19.18% | 20.12% | 14.64% | ||
| Peer 75th percentile | 46.03% | 46.03% | 47.12% | 27.32% | ||
| This bank's percentile | NA | NA | NA | 50 |
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/921655/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.