Cypress Bank & Trust: 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 11.76% +2.76 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 | $28.6M | 28,615 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $243.3M | 243,290 | RCOAA224 |
| Recomputed ratio | 11.76% | numerator / denominator | |
| Filed ratio | 11.76% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.76 pp | $6.7M | 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 | 30,194 | 30,194 | 30,194 | 30,194 | 30,194 | 22,694 | RCOAP742 |
| Retained earnings | (1,418) | (2,167) | (2,865) | (3,484) | (3,960) | (4,241) | RCOAKW00 |
| Accumulated other comprehensive income | (174) | (186) | (199) | (212) | (227) | (245) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 28,602 | 27,841 | 27,130 | 26,498 | 26,007 | 18,208 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 13 | (248) | (478) | (685) | (839) | (925) | P859 - P840 |
| Common equity Tier 1 capital | 28,615 | 27,593 | 26,652 | 25,813 | 25,168 | 17,283 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 28,615 | 27,593 | 26,652 | 25,813 | 25,168 | 17,283 | 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 | 243,290 | 218,687 | 198,476 | 189,213 | 189,642 | 170,455 | 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 | 11.76% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.62% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 13.43% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.64% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.27% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.14% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.20% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.18% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.48% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.22% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.87% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.10% | 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 |
|---|---|---|---|---|---|---|
| Cypress Bank & Trust (this bank) | CBLR | NA | NA | NA | 11.76% | |
| Hibernia Bank | $256.6M | CBLR | NA | NA | NA | 11.54% |
| Citizens First National Bank | $256.5M | Risk-based | 27.33% | 27.33% | 28.58% | 15.87% |
| Alliant Bank | $256.4M | Risk-based | 12.40% | 12.40% | 13.65% | 9.03% |
| Lee Bank & Trust Company | $257.3M | Risk-based | 26.17% | 26.17% | 27.44% | 14.11% |
| Western National Bank | $257.4M | CBLR | NA | NA | NA | 9.15% |
| Union State Bank of Hazen | $257.4M | CBLR | NA | NA | NA | 8.96% |
| Cendera Bank | $257.6M | CBLR | NA | NA | NA | 11.25% |
| Heartland Bank | $256.1M | Risk-based | 15.00% | 15.00% | 16.25% | 13.23% |
| The Farmers State Bank | $257.7M | CBLR | NA | NA | NA | 13.88% |
| Bankers' Bank of Kansas | $255.7M | Risk-based | 17.97% | 17.97% | 19.22% | 16.31% |
| Peer 25th percentile | 15.00% | 15.00% | 16.25% | 9.67% | ||
| Peer median | 17.97% | 17.97% | 19.22% | 12.38% | ||
| Peer 75th percentile | 26.17% | 26.17% | 27.44% | 14.05% | ||
| 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/2873598/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.