Cumberland Valley National Bank & Trust Company: 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 9.49% +0.49 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 | $79.2M | 79,156 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $833.7M | 833,704 | RCOAA224 |
| Recomputed ratio | 9.49% | numerator / denominator | |
| Filed ratio | 9.49% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.49 pp | $4.1M | 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 | 12,696 | 12,696 | 12,696 | 12,696 | 12,696 | 12,696 | RCOAP742 |
| Retained earnings | 66,460 | 65,678 | 65,581 | 63,676 | 62,124 | 63,729 | RCOAKW00 |
| Accumulated other comprehensive income | (4,339) | (3,755) | (3,743) | (4,167) | (5,663) | (5,765) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 74,817 | 74,619 | 74,534 | 72,205 | 69,157 | 70,660 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,339 | 3,755 | 3,743 | 4,167 | 5,663 | 5,765 | P859 - P840 |
| Common equity Tier 1 capital | 79,156 | 78,374 | 78,277 | 76,372 | 74,820 | 76,425 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 79,156 | 78,374 | 78,277 | 76,372 | 74,820 | 76,425 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | 7,396 | 7,279 | 7,138 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | 7,396 | 7,279 | 7,138 | |
| Total capital | NA | NA | NA | 83,768 | 82,099 | 83,563 | |
| Total risk-weighted assets | NA | NA | NA | 611,845 | 596,566 | 582,510 | |
| Average total assets for the leverage ratio | 833,704 | 829,935 | 821,310 | 805,645 | 805,110 | 799,689 | 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 | 9.49% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.44% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.53% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.48% | 12.48% | 13.69% | 9.48% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.54% | 12.54% | 13.76% | 9.29% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.12% | 13.12% | 14.35% | 9.56% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.96% | 12.96% | 14.17% | 9.63% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.72% | 12.72% | 13.90% | 9.91% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.14% | 13.14% | 14.37% | 9.85% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.08% | 13.08% | 14.29% | 9.74% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.06% | 13.06% | 14.31% | 9.62% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.20% | 13.20% | 14.39% | 9.61% | 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 |
|---|---|---|---|---|---|---|
| Cumberland Valley National Bank & Trust Company (this bank) | CBLR | NA | NA | NA | 9.49% | |
| Royal Bank | $816.1M | Risk-based | 15.48% | 15.48% | 16.73% | 10.53% |
| Rollstone Bank & Trust | $816.3M | Risk-based | 13.47% | 13.47% | 14.28% | 10.13% |
| PB&T Bank | $815.2M | Risk-based | 12.67% | 12.67% | 13.87% | 10.64% |
| First Option Bank | $817.6M | Risk-based | 15.76% | 15.76% | 16.65% | 8.18% |
| First Freedom Bank | $817.8M | CBLR | NA | NA | NA | 12.46% |
| Wilson & Muir Bank & Trust Company | $818.4M | Risk-based | 13.94% | 13.94% | 14.88% | 9.43% |
| CNB St. Louis Bank | $812.9M | CBLR | NA | NA | NA | 9.29% |
| FCN Bank, N.A. | $812.5M | Risk-based | 14.01% | 14.01% | 15.18% | 9.92% |
| Cibm Bank | $819.7M | Risk-based | 12.29% | 12.29% | 13.54% | 9.91% |
| The First Bank of Greenwich | $812.3M | Risk-based | 11.10% | 11.10% | 12.34% | 9.26% |
| Peer 25th percentile | 12.57% | 12.57% | 13.79% | 9.33% | ||
| Peer median | 13.71% | 13.71% | 14.58% | 9.91% | ||
| Peer 75th percentile | 14.38% | 14.38% | 15.55% | 10.43% | ||
| This bank's percentile | NA | NA | NA | 40 |
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/647218/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.