Countryside 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 15.20% +6.20 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 | $18.2M | 18,184 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $119.7M | 119,652 | RCOAA224 |
| Recomputed ratio | 15.20% | numerator / denominator | |
| Filed ratio | 15.20% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +6.20 pp | $7.4M | 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 | 1,025 | 1,025 | 1,025 | 1,025 | 1,025 | 1,025 | RCOAP742 |
| Retained earnings | 17,289 | 16,919 | 16,736 | 16,602 | 16,318 | 15,923 | RCOAKW00 |
| Accumulated other comprehensive income | (266) | (238) | (143) | (186) | (389) | (533) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 18,048 | 17,706 | 17,618 | 17,441 | 16,954 | 16,415 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 136 | 108 | 13 | 56 | 259 | 403 | P859 - P840 |
| Common equity Tier 1 capital | 18,184 | 17,814 | 17,631 | 17,497 | 17,213 | 16,818 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 18,184 | 17,814 | 17,631 | 17,497 | 17,213 | 16,818 | 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 | 119,652 | 120,249 | 116,662 | 115,224 | 117,241 | 117,868 | 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 | 15.20% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 14.81% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 15.11% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 15.19% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 14.68% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 14.27% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 14.71% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 14.90% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 14.94% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 14.63% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 14.71% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 14.33% | 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 |
|---|---|---|---|---|---|---|
| Countryside Bank (this bank) | CBLR | NA | NA | NA | 15.20% | |
| Kalamazoo County State Bank | $118.4M | Risk-based | 20.34% | 20.34% | 21.09% | 12.08% |
| The Farmers and Merchants National Bank of Fairview | $118.7M | CBLR | NA | NA | NA | 12.18% |
| McIntosh County Bank | $118.7M | CBLR | NA | NA | NA | 11.01% |
| The Granville National Bank | $118.4M | CBLR | NA | NA | NA | 11.10% |
| Twin Cedars Bank | $118.3M | Risk-based | 12.94% | 12.94% | 14.21% | 9.19% |
| Security State Bank | $119.0M | Risk-based | 14.51% | 14.51% | 15.36% | 8.27% |
| First Bank | $118.0M | Risk-based | 23.44% | 23.44% | 24.70% | 14.16% |
| Community Bank | $119.1M | CBLR | NA | NA | NA | 10.09% |
| American Metro Bank | $119.1M | CBLR | NA | NA | NA | 13.10% |
| Henderson Federal Savings Bank | $117.7M | CBLR | NA | NA | NA | 25.94% |
| Peer 25th percentile | 14.11% | 14.11% | 15.07% | 10.32% | ||
| Peer median | 17.42% | 17.42% | 18.23% | 11.59% | ||
| Peer 75th percentile | 21.12% | 21.12% | 21.99% | 12.87% | ||
| This bank's percentile | NA | NA | NA | 90 |
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/474357/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.