Exchange Bank Co.: 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 9.11% +0.11 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 | $31.7M | 31,740 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $348.2M | 348,231 | RCOAA224 |
| Recomputed ratio | 9.11% | numerator / denominator | |
| Filed ratio | 9.11% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.11 pp | $399K | 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 | 13,900 | 13,900 | 13,900 | 13,900 | 13,900 | 13,900 | RCOAP742 |
| Retained earnings | 21,298 | 20,512 | 19,701 | 20,348 | 19,449 | 19,396 | RCOAKW00 |
| Accumulated other comprehensive income | (2,907) | (3,972) | (2,775) | (3,343) | (4,260) | (4,644) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 32,291 | 30,440 | 30,826 | 30,905 | 29,089 | 28,652 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (551) | 461 | (788) | (273) | 589 | 921 | P859 - P840 |
| Common equity Tier 1 capital | 31,740 | 30,901 | 30,038 | 30,632 | 29,678 | 29,573 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 31,740 | 30,901 | 30,038 | 30,632 | 29,678 | 29,573 | RCOA8274 |
| Tier 2 capital | NA | 3,197 | 3,079 | 3,028 | 2,919 | 2,799 | |
| Allowance includable in Tier 2 capital | NA | 3,197 | 3,079 | 3,028 | 2,919 | 2,799 | |
| Total capital | NA | 34,098 | 33,117 | 33,660 | 32,597 | 32,372 | |
| Total risk-weighted assets | NA | 255,740 | 246,255 | 242,231 | 233,460 | 228,518 | |
| Average total assets for the leverage ratio | 348,231 | 345,822 | 329,870 | 321,189 | 315,899 | 310,905 | 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 | 9.11% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.08% | 12.08% | 13.33% | 8.94% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.20% | 12.20% | 13.45% | 9.11% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.65% | 12.65% | 13.90% | 9.54% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.71% | 12.71% | 13.96% | 9.39% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.94% | 12.94% | 14.17% | 9.51% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.86% | 12.86% | 14.08% | 9.62% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.41% | 13.41% | 14.45% | 10.28% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.64% | 13.64% | 14.62% | 10.23% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.38% | 13.38% | 14.46% | 10.26% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.22% | 13.22% | 14.35% | 10.38% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.24% | 13.24% | 14.30% | 10.43% | 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 |
|---|---|---|---|---|---|---|
| Exchange Bank Co. (this bank) | CBLR | NA | NA | NA | 9.11% | |
| Midwest Independent Bankersbank | $341.4M | Risk-based | 16.43% | 16.43% | 17.68% | 15.26% |
| Cumberland Federal Bank, FSB | $341.6M | Risk-based | 17.21% | 17.21% | 18.19% | 10.06% |
| Bank of Kilmichael | $341.6M | CBLR | NA | NA | NA | 9.12% |
| Ozark Bank | $341.0M | CBLR | NA | NA | NA | 9.23% |
| Milestone Bank | $342.2M | CBLR | NA | NA | NA | 15.01% |
| Riverhills Bank | $340.8M | Risk-based | 13.11% | 13.11% | 14.37% | 10.69% |
| Phenix-Girard Bank | $342.3M | CBLR | NA | NA | NA | 11.76% |
| First Community Bank | $342.3M | Risk-based | 11.15% | 11.15% | 12.40% | 9.05% |
| Farmers State Bank of Alto Pass, Ill. | $342.4M | Risk-based | 12.25% | 12.25% | 13.37% | 9.51% |
| Peer 25th percentile | 12.25% | 12.25% | 13.37% | 9.23% | ||
| Peer median | 13.11% | 13.11% | 14.37% | 10.06% | ||
| Peer 75th percentile | 16.43% | 16.43% | 17.68% | 11.76% | ||
| This bank's percentile | NA | NA | NA | 11 |
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/2747466/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.