Defiance State 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 9.86% +0.86 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 | $4.2M | 4,206 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $42.6M | 42,648 | RCOAA224 |
| Recomputed ratio | 9.86% | numerator / denominator | |
| Filed ratio | 9.86% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.86 pp | $368K | 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 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | RCOAP742 |
| Retained earnings | 3,206 | 3,128 | 3,055 | 3,108 | 2,999 | 3,026 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 4,206 | 4,128 | 4,055 | 4,108 | 3,999 | 4,026 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 0 | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 4,206 | 4,128 | 4,055 | 4,108 | 3,999 | 4,026 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 4,206 | 4,128 | 4,055 | 4,108 | 3,999 | 4,026 | RCOA8274 |
| Tier 2 capital | NA | NA | 200 | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | 200 | NA | NA | NA | |
| Total capital | NA | NA | 4,255 | NA | NA | NA | |
| Total risk-weighted assets | NA | NA | 39,217 | NA | NA | NA | |
| Average total assets for the leverage ratio | 42,648 | 42,183 | 40,533 | 38,504 | 39,796 | 41,691 | 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 | 9.86% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 9.79% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | Risk-based | 10.34% | 10.34% | 10.85% | 10.00% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 10.67% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 10.05% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 9.66% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 9.40% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 9.78% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 9.39% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | 10.97% | 10.97% | 11.47% | 9.03% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | 10.20% | 10.20% | 10.68% | 8.85% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | Risk-based | 10.31% | 10.31% | 10.80% | 8.81% | 20.70% | 20.70% | 21.86% | 12.73% |
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 |
|---|---|---|---|---|---|---|
| Defiance State Bank (this bank) | CBLR | NA | NA | NA | 9.86% | |
| Peoples Community Bank SB of Monticello, Indiana | $42.7M | CBLR | NA | NA | NA | 32.00% |
| Farmers State Bank | $42.8M | CBLR | NA | NA | NA | 11.73% |
| Robert Lee State Bank | $42.9M | CBLR | NA | NA | NA | 14.09% |
| Country Trust Bank | $42.3M | Risk-based | 115.01% | 115.01% | 115.01% | 78.65% |
| Black Mountain Savings Bank, SSB | $43.0M | CBLR | NA | NA | NA | 11.99% |
| Community Bank of Easton | $43.0M | CBLR | NA | NA | NA | 16.32% |
| Cornerstone Bank | $42.0M | Risk-based | 34.96% | 34.96% | 36.23% | 15.19% |
| The Bank of San Jacinto County, Coldspring, Texas | $42.0M | CBLR | NA | NA | NA | 17.77% |
| Kindred State Bank | $43.3M | Risk-based | 16.33% | 16.33% | 17.04% | 8.35% |
| Citizens Federal Savings and Loan Association of Covington | $41.9M | Risk-based | 58.97% | 58.97% | 60.22% | 28.05% |
| Peer 25th percentile | 30.31% | 30.31% | 31.43% | 12.52% | ||
| Peer median | 46.97% | 46.97% | 48.22% | 15.75% | ||
| Peer 75th percentile | 72.98% | 72.98% | 73.92% | 25.48% | ||
| This bank's percentile | NA | NA | NA | 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/902645/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.