Eagle Bank and 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 16.35% +7.35 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 | $82.0M | 82,004 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $501.5M | 501,488 | RCOAA224 |
| Recomputed ratio | 16.35% | numerator / denominator | |
| Filed ratio | 16.35% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +7.35 pp | $36.9M | 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 | 6,985 | 6,985 | 6,985 | 6,985 | 6,985 | 6,985 | RCOAP742 |
| Retained earnings | 75,019 | 73,851 | 72,421 | 72,402 | 71,146 | 70,109 | RCOAKW00 |
| Accumulated other comprehensive income | (13,936) | (14,722) | (13,238) | (14,459) | (18,211) | (16,963) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 68,068 | 66,114 | 66,168 | 64,928 | 59,920 | 60,131 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 13,936 | 14,722 | 13,238 | 14,459 | 18,211 | 16,963 | P859 - P840 |
| Common equity Tier 1 capital | 82,004 | 80,836 | 79,406 | 79,387 | 78,131 | 77,094 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 82,004 | 80,836 | 79,406 | 79,387 | 78,131 | 77,094 | 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 | 501,488 | 496,056 | 487,988 | 477,499 | 484,494 | 481,950 | 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 | 16.35% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 16.30% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 16.27% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 16.63% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 16.13% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 16.00% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 15.70% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 16.02% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 15.92% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 16.00% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 16.35% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 16.18% | 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 |
|---|---|---|---|---|---|---|
| Eagle Bank and Trust Company (this bank) | CBLR | NA | NA | NA | 16.35% | |
| Merchants Commercial Bank | $506.0M | CBLR | NA | NA | NA | 10.79% |
| First Community Bank of the Heartland, Inc. | $506.0M | Risk-based | 9.61% | 9.61% | 10.45% | 8.12% |
| Piermont Bank | $505.1M | Risk-based | 11.03% | 17.11% | 17.89% | 12.70% |
| Cornerstone Bank | $504.9M | CBLR | NA | NA | NA | 9.16% |
| The Peoples State Bank | $506.6M | CBLR | NA | NA | NA | 10.47% |
| Grundy Bank | $504.7M | Risk-based | 22.43% | 22.43% | 23.68% | 12.62% |
| Mega Bank | $506.7M | Risk-based | 16.35% | 16.35% | 17.60% | 14.43% |
| Stafford Savings Bank | $507.0M | Risk-based | 32.01% | 32.01% | 32.18% | 50.61% |
| Citizens State Bank | $507.0M | CBLR | NA | NA | NA | 10.35% |
| Grand River Bank | $507.3M | Risk-based | 12.89% | 12.89% | 14.13% | 10.19% |
| Peer 25th percentile | 11.50% | 13.76% | 15.00% | 10.23% | ||
| Peer median | 14.62% | 16.73% | 17.75% | 10.63% | ||
| Peer 75th percentile | 20.91% | 21.10% | 22.23% | 12.68% | ||
| 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/453446/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.