Evertrust 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 21.71% +12.71 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 | $227.7M | 227,720 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.05B | 1,049,021 | RCOAA224 |
| Recomputed ratio | 21.71% | numerator / denominator | |
| Filed ratio | 21.71% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +12.71 pp | $133.3M | 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 | 118,402 | 118,402 | 118,402 | 118,402 | 118,402 | 118,402 | RCOAP742 |
| Retained earnings | 147,020 | 144,192 | 141,374 | 138,415 | 134,803 | 131,617 | RCOAKW00 |
| Accumulated other comprehensive income | (3,740) | (3,667) | (3,528) | (4,075) | (4,640) | (5,263) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 261,682 | 258,927 | 256,248 | 252,742 | 248,565 | 244,756 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (33,962) | (34,046) | (34,198) | (33,658) | (33,126) | (32,514) | P859 - P840 |
| Common equity Tier 1 capital | 227,720 | 224,881 | 222,050 | 219,084 | 215,439 | 212,242 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 227,720 | 224,881 | 222,050 | 219,084 | 215,439 | 212,242 | 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 | 1,049,021 | 1,042,423 | 1,035,307 | 992,602 | 927,611 | 905,670 | 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 | 21.71% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 21.57% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 21.45% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 22.07% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 23.23% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 23.43% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 23.84% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 22.98% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 22.43% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 22.27% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 22.48% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 22.63% | 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 |
|---|---|---|---|---|---|---|
| Evertrust Bank (this bank) | CBLR | NA | NA | NA | 21.71% | |
| First Reliance Bank | $1.13B | Risk-based | 13.16% | 13.16% | 14.26% | 10.53% |
| Financial Federal Bank | $1.12B | CBLR | NA | NA | NA | 9.92% |
| Liberty Bank and Trust Company | $1.13B | Risk-based | 15.43% | 19.25% | 20.36% | 11.35% |
| Pentucket Bank | $1.12B | CBLR | NA | NA | NA | 11.67% |
| Bank Forward | $1.13B | CBLR | NA | NA | NA | 10.17% |
| Farmers State Bank | $1.12B | CBLR | NA | NA | NA | 14.37% |
| Bayfirst National Bank | $1.13B | Risk-based | 11.47% | 11.47% | 12.77% | 8.30% |
| Bank of Commerce | $1.13B | CBLR | NA | NA | NA | 12.85% |
| First State Bank Nebraska | $1.13B | Risk-based | 11.56% | 11.56% | 12.55% | 9.00% |
| Hilltop National Bank | $1.14B | CBLR | NA | NA | NA | 11.95% |
| Peer 25th percentile | 11.53% | 11.53% | 12.71% | 9.98% | ||
| Peer median | 12.36% | 12.36% | 13.52% | 10.94% | ||
| Peer 75th percentile | 13.73% | 14.68% | 15.79% | 11.88% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/2297998/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.