Countybank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.61% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 7.61% (RCOAH311).
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.
Common equity Tier 1 ratio 14.78% +8.28 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $65.5M | 65,491 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $443.2M | 443,220 | RCOAA223 |
| Recomputed ratio | 14.78% | numerator / denominator | |
| Filed ratio | 14.78% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.28 pp | $36.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.78% +6.78 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $65.5M | 65,491 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $443.2M | 443,220 | RCOAA223 |
| Recomputed ratio | 14.78% | numerator / denominator | |
| Filed ratio | 14.78% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.78 pp | $30.0M | capital that could be lost first |
Total risk-based capital ratio 15.61% +5.61 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $69.2M | 69,195 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $443.2M | 443,220 | RCOAA223 |
| Recomputed ratio | 15.61% | numerator / denominator | |
| Filed ratio | 15.61% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.61 pp | $24.9M | capital that could be lost first |
Tier 1 leverage ratio 8.72% +3.72 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $65.5M | 65,491 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $750.6M | 750,639 | RCOAA224 |
| Recomputed ratio | 8.72% | numerator / denominator | |
| Filed ratio | 8.72% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.72 pp | $28.0M | 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 | 24,028 | 24,028 | 24,028 | 24,028 | 24,028 | 24,028 | RCOAP742 |
| Retained earnings | 42,880 | 42,875 | 42,871 | 41,716 | 40,495 | 40,364 | RCOAKW00 |
| Accumulated other comprehensive income | (21,123) | (20,697) | (19,646) | (21,824) | (26,518) | (26,682) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 45,785 | 46,206 | 47,253 | 43,920 | 38,005 | 37,710 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 19,706 | 19,259 | 18,188 | 20,343 | 25,034 | 25,186 | P859 - P840 |
| Common equity Tier 1 capital | 65,491 | 65,465 | 65,441 | 64,263 | 63,039 | 62,896 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 65,491 | 65,465 | 65,441 | 64,263 | 63,039 | 62,896 | RCOA8274 |
| Tier 2 capital | 3,704 | 3,681 | 3,662 | 3,788 | 3,783 | 3,761 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,704 | 3,681 | 3,662 | 3,788 | 3,783 | 3,761 | RCOA5310 |
| Total capital | 69,195 | 69,146 | 69,103 | 68,051 | 66,822 | 66,657 | RCOA3792 |
| Total risk-weighted assets | 443,220 | 430,552 | 423,882 | 430,756 | 439,626 | 430,940 | RCOAA223 |
| Average total assets for the leverage ratio | 750,639 | 757,122 | 768,185 | 755,059 | 737,914 | 735,741 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $59.5M | $1.3M | 2.24% | 0.30% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $249.5M | $46.1M | 18.48% | 10.40% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $49.2M | $948K | 1.93% | 0.21% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $191.0M | $114.5M | 59.96% | 25.84% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.4M | $1.9M | 135.51% | 0.43% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $218.7M | $218.7M | 100.00% | 49.34% | RC-R Part II, item 4.d, 5.d |
| All other assets | $32.9M | $31.9M | 97.00% | 7.20% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $31.4M | $24.7M | 78.61% | 5.57% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $3.1M | NA | 0.71% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $440.1M | ties to item 31 ($440.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $443.2M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $443.2M | RCONG641, ties |
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 | Risk-based | 14.78% | 14.78% | 15.61% | 8.72% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.20% | 15.20% | 16.06% | 8.65% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.44% | 15.44% | 16.30% | 8.52% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.92% | 14.92% | 15.80% | 8.51% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.34% | 14.34% | 15.20% | 8.54% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.60% | 14.60% | 15.47% | 8.55% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.50% | 14.50% | 15.36% | 8.56% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.61% | 14.61% | 15.42% | 8.59% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.64% | 14.64% | 15.44% | 8.71% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.50% | 14.50% | 15.30% | 8.57% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 14.65% | 14.65% | 15.46% | 8.53% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.52% | 14.52% | 15.37% | 8.54% | 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 |
|---|---|---|---|---|---|---|
| Countybank (this bank) | Risk-based | 14.78% | 14.78% | 15.61% | 8.72% | |
| First Midwest Bank of the Ozarks | $733.2M | CBLR | NA | NA | NA | 10.85% |
| Homebank | $733.3M | CBLR | NA | NA | NA | 9.61% |
| Axiom Bank, N.A. | $732.4M | CBLR | NA | NA | NA | 11.69% |
| Longview Bank | $732.1M | Risk-based | 10.29% | 10.29% | 11.10% | 8.43% |
| Woodtrust Bank | $734.8M | CBLR | NA | NA | NA | 10.94% |
| FNB South | $734.8M | Risk-based | 22.90% | 22.90% | 24.18% | 16.24% |
| Peoples Community Bank | $735.2M | CBLR | NA | NA | NA | 18.54% |
| Dairy State Bank | $730.3M | CBLR | NA | NA | NA | 11.96% |
| Chippewa Valley Bank | $735.8M | Risk-based | 12.30% | 12.30% | 13.21% | 8.74% |
| Lake Shore Bank | $735.9M | CBLR | NA | NA | NA | 17.43% |
| Peer 25th percentile | 11.30% | 11.30% | 12.16% | 9.92% | ||
| Peer median | 12.30% | 12.30% | 13.21% | 11.31% | ||
| Peer 75th percentile | 17.60% | 17.60% | 18.70% | 15.17% | ||
| This bank's percentile | 67 | 67 | 67 | 10 |
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/271529/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.