FBT Bank & Mortgage: 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 10.39% +1.39 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 | $27.7M | 27,679 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $266.5M | 266,510 | RCOAA224 |
| Recomputed ratio | 10.39% | numerator / denominator | |
| Filed ratio | 10.39% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.39 pp | $3.7M | 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 | 3,253 | 3,253 | 3,253 | 3,253 | 3,253 | 3,253 | RCOAP742 |
| Retained earnings | 24,426 | 23,568 | 23,441 | 23,099 | 22,306 | 21,619 | RCOAKW00 |
| Accumulated other comprehensive income | (10,258) | (10,680) | (9,948) | (10,462) | (12,225) | (11,827) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 17,421 | 16,141 | 16,746 | 15,890 | 13,334 | 13,045 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 10,258 | 10,680 | 9,948 | 10,462 | 12,225 | 11,827 | P859 - P840 |
| Common equity Tier 1 capital | 27,679 | 26,821 | 26,694 | 26,352 | 25,559 | 24,872 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 27,679 | 26,821 | 26,694 | 26,352 | 25,559 | 24,872 | 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 | 266,510 | 253,806 | 263,578 | 264,158 | 260,043 | 267,140 | 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 | 10.39% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.57% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.13% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.98% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.83% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.31% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.37% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.53% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.36% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.43% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.61% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.13% | 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 |
|---|---|---|---|---|---|---|
| FBT Bank & Mortgage (this bank) | CBLR | NA | NA | NA | 10.39% | |
| Madison Valley Bank | $263.7M | Risk-based | 14.52% | 14.52% | 15.77% | 9.24% |
| Bank of Jamestown | $263.8M | CBLR | NA | NA | NA | 12.96% |
| Security Bank USA | $263.9M | Risk-based | 13.47% | 13.47% | 14.72% | 9.36% |
| Greenville Federal | $263.9M | Risk-based | 11.16% | 11.16% | 12.08% | 7.80% |
| Commercial State Bank | $264.4M | CBLR | NA | NA | NA | 9.64% |
| Summit Bank | $264.4M | Risk-based | 20.74% | 20.74% | 22.01% | 16.37% |
| Texas Financial Bank | $264.6M | CBLR | NA | NA | NA | 11.72% |
| Bank of Desoto, N.A. | $264.6M | CBLR | NA | NA | NA | 10.06% |
| Peer 25th percentile | 12.89% | 12.89% | 14.06% | 9.33% | ||
| Peer median | 13.99% | 13.99% | 15.24% | 9.85% | ||
| Peer 75th percentile | 16.07% | 16.07% | 17.33% | 12.03% | ||
| This bank's percentile | NA | NA | NA | 62 |
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/314444/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.