Dayspring 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 10.71% +1.71 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 | $130.3M | 130,342 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.22B | 1,216,507 | RCOAA224 |
| Recomputed ratio | 10.71% | numerator / denominator | |
| Filed ratio | 10.71% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.71 pp | $20.9M | 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 | 82,000 | 82,000 | 82,000 | 82,000 | 82,000 | 82,000 | RCOAP742 |
| Retained earnings | 55,485 | 52,123 | 50,191 | 46,811 | 44,349 | 42,176 | RCOAKW00 |
| Accumulated other comprehensive income | (11,409) | (12,361) | (11,230) | (12,566) | (14,813) | (14,748) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 126,076 | 121,762 | 120,961 | 116,245 | 111,536 | 109,428 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,266 | 5,217 | 4,086 | 5,422 | 7,947 | 7,881 | P859 - P840 |
| Common equity Tier 1 capital | 130,342 | 126,979 | 125,047 | 121,667 | 119,483 | 117,309 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 130,342 | 126,979 | 125,047 | 121,667 | 119,483 | 117,309 | 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 | 1,216,507 | 1,207,114 | 1,191,811 | 1,170,092 | 1,164,920 | 1,132,915 | 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 | 10.71% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 10.52% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 10.49% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 10.40% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 10.26% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 10.35% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 10.04% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 10.19% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 10.31% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 10.44% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 10.26% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 9.36% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Dayspring Bank (this bank) | CBLR | NA | NA | NA | 10.71% | |
| Wood & Huston Bank | $1.23B | Risk-based | 13.34% | 13.34% | 14.57% | 11.55% |
| Fidelity Bank | $1.23B | Risk-based | 29.16% | 29.16% | 29.96% | 20.32% |
| Midwest Bank | $1.24B | CBLR | NA | NA | NA | 9.40% |
| First Bankers Trust Company, N.A. | $1.22B | Risk-based | 16.13% | 16.13% | 17.08% | 10.00% |
| Pilot Grove Savings Bank | $1.22B | Risk-based | 10.22% | 10.22% | 11.09% | 8.82% |
| Firstar Bank | $1.24B | Risk-based | 12.64% | 12.64% | 13.70% | 9.03% |
| First State Bank | $1.24B | Risk-based | 17.38% | 17.38% | 18.48% | 10.47% |
| NBKC Bank | $1.24B | Risk-based | 22.05% | 22.05% | 23.30% | 17.13% |
| Uwharrie Bank | $1.22B | Risk-based | 13.79% | 15.09% | 15.85% | 10.07% |
| University Bank | $1.24B | CBLR | NA | NA | NA | 10.08% |
| Peer 25th percentile | 13.16% | 13.16% | 14.36% | 9.55% | ||
| Peer median | 14.96% | 15.61% | 16.46% | 10.08% | ||
| Peer 75th percentile | 18.55% | 18.55% | 19.69% | 11.28% | ||
| This bank's percentile | NA | NA | NA | 70 |
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/151957/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.