The Equitable Savings and Loan 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 25.56% +16.56 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 | $2.2M | 2,197 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $8.6M | 8,596 | RCOAA224 |
| Recomputed ratio | 25.56% | numerator / denominator | |
| Filed ratio | 25.56% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +16.56 pp | $1.4M | 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 | 0 | 0 | 0 | 41 | 41 | 41 | RCOAP742 |
| Retained earnings | 2,197 | 2,229 | 2,296 | 2,300 | 2,272 | 2,257 | 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 | 2,197 | 2,229 | 2,296 | 2,341 | 2,313 | 2,298 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 0 | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 2,197 | 2,229 | 2,296 | 2,341 | 2,313 | 2,298 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 2,197 | 2,229 | 2,296 | 2,341 | 2,313 | 2,298 | 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 | 8,596 | 8,806 | 8,979 | 9,019 | 9,133 | 9,239 | 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 | 25.56% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 25.31% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 25.57% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 25.96% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 25.33% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 24.87% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 24.71% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 24.49% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 24.29% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 23.09% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 21.81% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 21.06% | 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 |
|---|---|---|---|---|---|---|
| The Equitable Savings and Loan Company (this bank) | CBLR | NA | NA | NA | 25.56% | |
| Towne Trust Company, N.A. | $8.8M | Risk-based | 360.02% | 360.02% | 360.02% | 87.10% |
| Security National Trust Co. | $8.8M | CBLR | NA | NA | NA | 87.19% |
| The Trust Company of Toledo, N.A. | $9.0M | Risk-based | 149.99% | 149.99% | 149.99% | 100.25% |
| BMO Harris Central N.A. | $8.2M | Risk-based | 446.89% | 446.89% | 446.89% | 87.50% |
| Neuberger Berman Trust Company of Delaware N.A. | $9.2M | Risk-based | 171.89% | 171.89% | 171.89% | 94.68% |
| New Covenant Trust Company, N.A. | $9.3M | Risk-based | 248.35% | 248.35% | 248.35% | 90.76% |
| State Bank of Burrton | $9.3M | CBLR | NA | NA | NA | 9.94% |
| Key National Trust Company of Delaware | $9.9M | Risk-based | 467.81% | 467.81% | 467.81% | 100.31% |
| Peer 25th percentile | 191.00% | 191.00% | 191.00% | 87.17% | ||
| Peer median | 304.18% | 304.18% | 304.18% | 89.13% | ||
| Peer 75th percentile | 425.17% | 425.17% | 425.17% | 96.07% | ||
| This bank's percentile | NA | NA | NA | 12 |
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/910079/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.