The Exchange Bank of Alabama: 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 15.30% +6.30 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 | $62.0M | 62,012 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $405.4M | 405,367 | RCOAA224 |
| Recomputed ratio | 15.30% | numerator / denominator | |
| Filed ratio | 15.30% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +6.30 pp | $25.5M | 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 | 6,411 | 6,411 | 6,411 | 6,411 | 6,411 | 6,411 | RCOAP742 |
| Retained earnings | 55,601 | 54,479 | 53,620 | 52,307 | 51,312 | 50,219 | RCOAKW00 |
| Accumulated other comprehensive income | (8,982) | (9,515) | (8,360) | (9,254) | (10,694) | (11,349) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 53,030 | 51,375 | 51,671 | 49,464 | 47,029 | 45,281 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 8,982 | 9,515 | 8,360 | 9,254 | 10,694 | 11,349 | P859 - P840 |
| Common equity Tier 1 capital | 62,012 | 60,890 | 60,031 | 58,718 | 57,723 | 56,630 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 62,012 | 60,890 | 60,031 | 58,718 | 57,723 | 56,630 | 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 | 405,367 | 406,829 | 403,482 | 399,733 | 396,656 | 394,357 | 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 | 15.30% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 14.97% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 14.88% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 14.69% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 14.55% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 14.36% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 24.66% | 24.66% | 25.78% | 14.20% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 24.27% | 24.27% | 25.46% | 14.18% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 24.02% | 24.02% | 25.22% | 13.99% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 23.70% | 23.70% | 24.89% | 13.76% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 23.55% | 23.55% | 24.76% | 13.93% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 23.76% | 23.76% | 25.00% | 13.67% | 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 |
|---|---|---|---|---|---|---|
| The Exchange Bank of Alabama (this bank) | CBLR | NA | NA | NA | 15.30% | |
| Iowa State Bank | $392.9M | Risk-based | 15.52% | 15.52% | 16.80% | 11.03% |
| Unibank | $393.0M | Risk-based | 10.25% | 10.25% | 11.30% | 7.31% |
| Great Plains State Bank | $392.0M | CBLR | NA | NA | NA | 10.81% |
| The Community State Bank | $393.1M | CBLR | NA | NA | NA | 9.05% |
| Waypoint Bank | $391.5M | Risk-based | 12.86% | 12.86% | 14.12% | 10.87% |
| Farmers State Bank | $391.5M | Risk-based | 20.19% | 20.19% | 21.38% | 14.41% |
| Trusttexas Bank, S.S.B. | $393.6M | Risk-based | 17.51% | 17.51% | 18.54% | 7.84% |
| Alliance Bank | $391.3M | CBLR | NA | NA | NA | 13.57% |
| First Exchange Bank | $391.1M | Risk-based | 12.76% | 12.76% | 14.02% | 8.96% |
| Balboa Thrift and Loan Association | $394.5M | CBLR | NA | NA | NA | 10.61% |
| Peer 25th percentile | 12.79% | 12.79% | 14.04% | 8.98% | ||
| Peer median | 14.19% | 14.19% | 15.46% | 10.71% | ||
| Peer 75th percentile | 17.01% | 17.01% | 18.10% | 10.99% | ||
| 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/672537/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.