Crossbridge Community 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 13.14% +4.14 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 | $28.4M | 28,439 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $216.5M | 216,465 | RCOAA224 |
| Recomputed ratio | 13.14% | numerator / denominator | |
| Filed ratio | 13.14% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.14 pp | $9.0M | 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 | 2,001 | 2,001 | 2,001 | 2,001 | 2,001 | 2,001 | RCOAP742 |
| Retained earnings | 26,782 | 26,105 | 25,400 | 24,697 | 24,097 | 23,595 | RCOAKW00 |
| Accumulated other comprehensive income | (1,052) | (1,041) | (1,031) | (1,144) | (1,388) | (1,588) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 27,731 | 27,065 | 26,370 | 25,554 | 24,710 | 24,008 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 708 | 672 | 656 | 834 | 1,071 | 1,265 | P859 - P840 |
| Common equity Tier 1 capital | 28,439 | 27,737 | 27,026 | 26,388 | 25,781 | 25,273 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 28,439 | 27,737 | 27,026 | 26,388 | 25,781 | 25,273 | 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 | 216,465 | 218,848 | 215,518 | 214,742 | 211,706 | 211,758 | 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 | 13.14% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.67% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.54% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.29% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.18% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.93% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.89% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.83% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.82% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.75% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.73% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.03% | 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 |
|---|---|---|---|---|---|---|
| Crossbridge Community Bank (this bank) | CBLR | NA | NA | NA | 13.14% | |
| First Texas National Bank | $216.9M | CBLR | NA | NA | NA | 9.69% |
| Bank of Commerce | $216.3M | CBLR | NA | NA | NA | 11.28% |
| Citizens Bank & Trust Co. of Jackson | $217.3M | Risk-based | 14.35% | 14.35% | 15.60% | 9.71% |
| Commercial Bank | $216.1M | Risk-based | 16.62% | 16.62% | 17.72% | 10.05% |
| Bank | $217.4M | Risk-based | 11.25% | 11.25% | 12.50% | 8.68% |
| Iron Workers Savings Bank | $217.5M | CBLR | NA | NA | NA | 9.13% |
| Nevada Bank and Trust Company | $217.5M | CBLR | NA | NA | NA | 13.01% |
| Mount Vernon Bank | $217.6M | CBLR | NA | NA | NA | 10.26% |
| First Bank of Coastal Georgia | $215.7M | Risk-based | 18.69% | 18.69% | 19.66% | 9.07% |
| Foundation Bank | $217.9M | CBLR | NA | NA | NA | 14.72% |
| Peer 25th percentile | 13.58% | 13.58% | 14.83% | 9.27% | ||
| Peer median | 15.49% | 15.49% | 16.66% | 9.88% | ||
| Peer 75th percentile | 17.14% | 17.14% | 18.21% | 11.02% | ||
| 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/465672/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.