The Fayette County National Bank of Fayetteville: 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 9.05% +0.05 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 | $14.6M | 14,572 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $161.0M | 161,016 | RCOAA224 |
| Recomputed ratio | 9.05% | numerator / denominator | |
| Filed ratio | 9.05% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.05 pp | $81K | 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 | 600 | 600 | 600 | 600 | 600 | 600 | RCOAP742 |
| Retained earnings | 13,972 | 13,652 | 13,440 | 13,612 | 13,467 | 13,252 | RCOAKW00 |
| Accumulated other comprehensive income | (3,473) | (3,122) | (3,053) | (3,359) | (4,214) | (4,552) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 11,099 | 11,130 | 10,987 | 10,853 | 9,853 | 9,300 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,473 | 3,122 | 3,053 | 3,359 | 4,214 | 4,552 | P859 - P840 |
| Common equity Tier 1 capital | 14,572 | 14,252 | 14,040 | 14,212 | 14,067 | 13,852 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 14,572 | 14,252 | 14,040 | 14,212 | 14,067 | 13,852 | RCOA8274 |
| Tier 2 capital | NA | 825 | 824 | 827 | 826 | 845 | |
| Allowance includable in Tier 2 capital | NA | 825 | 824 | 827 | 826 | 845 | |
| Total capital | NA | 15,077 | 14,864 | 15,039 | 14,893 | 14,697 | |
| Total risk-weighted assets | NA | 67,334 | 65,979 | 67,323 | 66,282 | 67,629 | |
| Average total assets for the leverage ratio | 161,016 | 156,810 | 152,083 | 150,121 | 150,160 | 145,262 | 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 | 9.05% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 21.17% | 21.17% | 22.39% | 9.09% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 21.28% | 21.28% | 22.53% | 9.23% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 21.11% | 21.11% | 22.34% | 9.47% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 21.22% | 21.22% | 22.47% | 9.37% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 20.48% | 20.48% | 21.73% | 9.54% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 22.63% | 22.63% | 23.88% | 9.75% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 21.62% | 21.62% | 22.87% | 9.86% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 22.45% | 22.45% | 23.70% | 9.68% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 21.16% | 21.16% | 22.41% | 9.71% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 22.00% | 22.00% | 23.25% | 9.58% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 21.85% | 21.85% | 23.10% | 9.63% | 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 Fayette County National Bank of Fayetteville (this bank) | CBLR | NA | NA | NA | 9.05% | |
| Bank of Monticello | $158.0M | Risk-based | 19.57% | 19.57% | 20.82% | 14.52% |
| Perennial Bank | $158.1M | Risk-based | 23.66% | 23.66% | 24.91% | 9.48% |
| The First National Bank of Winnsboro | $158.2M | CBLR | NA | NA | NA | 22.72% |
| First Southeast Bank | $158.3M | Risk-based | 9.73% | 9.73% | 10.70% | 8.42% |
| Legends West Bank | $157.8M | CBLR | NA | NA | NA | 11.47% |
| The Exchange Bank | $158.4M | CBLR | NA | NA | NA | 12.10% |
| Commonwealth Community Bank, Inc. | $157.7M | CBLR | NA | NA | NA | 14.71% |
| The First National Bank of Arenzville | $158.7M | Risk-based | 10.63% | 10.63% | 11.49% | 8.83% |
| Greenleaf Bank | $158.7M | CBLR | NA | NA | NA | 9.63% |
| Peer 25th percentile | 10.40% | 10.40% | 11.29% | 9.48% | ||
| Peer median | 15.10% | 15.10% | 16.16% | 11.47% | ||
| Peer 75th percentile | 20.59% | 20.59% | 21.85% | 14.52% | ||
| This bank's percentile | NA | NA | NA | 22 |
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/488420/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.