Erebor Bank, N.A.: 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 38.81% +29.81 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 | $587.3M | 587,294 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.51B | 1,513,307 | RCOAA224 |
| Recomputed ratio | 38.81% | numerator / denominator | |
| Filed ratio | 38.81% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +29.81 pp | $451.1M | 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 | Source |
|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 6,997 | 4,834 | RCOAP742 |
| Retained earnings | (33,264) | (21,812) | RCOAKW00 |
| Accumulated other comprehensive income | (2,323) | (386) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | (28,590) | (17,364) | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (10,148) | (5,457) | P859 - P840 |
| Common equity Tier 1 capital | (38,738) | (22,821) | RCOAP859 |
| Additional Tier 1 capital | 626,032 | 617,972 | RCOAP865 |
| Tier 1 capital | 587,294 | 595,151 | RCOA8274 |
| Tier 2 capital | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | |
| Total capital | NA | NA | |
| Average total assets for the leverage ratio | 1,513,307 | 418,476 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
2 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 | 38.81% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 142.22% | 13.45% | 13.46% | 14.59% | 10.46% |
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 |
|---|---|---|---|---|---|---|
| Erebor Bank, N.A. (this bank) | CBLR | NA | NA | NA | 38.81% | |
| The Fidelity Bank | $4.66B | Risk-based | 16.56% | 16.56% | 17.81% | 11.47% |
| First National Bank Texas dba First Convenience Bank | $4.64B | Risk-based | 19.71% | 19.71% | 20.98% | 9.12% |
| Southern First Bank | $4.70B | Risk-based | 11.61% | 11.61% | 12.84% | 8.89% |
| PeoplesBank | $4.62B | Risk-based | 12.39% | 12.39% | 13.01% | 9.26% |
| Town Bank, N.A. | $4.71B | Risk-based | 11.19% | 11.19% | 11.78% | 9.75% |
| Bar Harbor Bank and Trust Company | $4.73B | Risk-based | 12.72% | 12.72% | 13.64% | 10.49% |
| VeraBank, N.A. | $4.58B | Risk-based | 17.27% | 17.27% | 18.50% | 11.03% |
| BlackRock Institutional Trust Company, N.A. | $4.75B | Risk-based | 131.98% | 131.98% | 132.41% | 60.46% |
| International Bank of Commerce | $4.56B | Risk-based | 28.73% | 28.73% | 29.98% | 14.46% |
| Hingham Institution for Savings | $4.56B | Risk-based | 14.69% | 14.69% | 15.54% | 11.19% |
| Peer 25th percentile | 12.47% | 12.47% | 13.17% | 9.38% | ||
| Peer median | 15.62% | 15.62% | 16.68% | 10.76% | ||
| Peer 75th percentile | 19.10% | 19.10% | 20.36% | 11.40% | ||
| 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/6053129/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.