First Bank of Boaz: 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 19.66% +10.66 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 | $51.6M | 51,627 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $262.6M | 262,615 | RCOAA224 |
| Recomputed ratio | 19.66% | numerator / denominator | |
| Filed ratio | 19.66% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +10.66 pp | $28.0M | 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 | 1,600 | 1,600 | 1,600 | 1,600 | 1,600 | 1,600 | RCOAP742 |
| Retained earnings | 50,027 | 50,384 | 50,490 | 50,276 | 49,941 | 49,764 | RCOAKW00 |
| Accumulated other comprehensive income | (22,668) | (23,869) | (22,521) | (23,464) | (26,786) | (25,740) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 28,959 | 28,115 | 29,569 | 28,412 | 24,755 | 25,624 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 22,668 | 23,869 | 22,521 | 23,464 | 26,786 | 25,740 | P859 - P840 |
| Common equity Tier 1 capital | 51,627 | 51,984 | 52,090 | 51,876 | 51,541 | 51,364 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 51,627 | 51,984 | 52,090 | 51,876 | 51,541 | 51,364 | 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 | 262,615 | 260,138 | 262,077 | 268,358 | 271,260 | 271,357 | 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 | 19.66% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 19.98% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 19.88% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 19.33% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 19.00% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 18.93% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 21.06% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 20.28% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 20.65% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 20.75% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 21.62% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 20.55% | 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 |
|---|---|---|---|---|---|---|
| First Bank of Boaz (this bank) | CBLR | NA | NA | NA | 19.66% | |
| Bankwest | $239.9M | Risk-based | 16.13% | 16.13% | 17.22% | 9.47% |
| Bank of Farmington | $240.1M | Risk-based | 13.96% | 13.96% | 14.78% | 10.96% |
| The First National Bank of Sterling City | $240.1M | Risk-based | 39.60% | 39.60% | 40.26% | 11.62% |
| The First National Bank of Sycamore | $239.4M | Risk-based | 15.54% | 15.54% | 16.63% | 9.96% |
| Peoples Trust and Savings Bank | $240.6M | CBLR | NA | NA | NA | 12.96% |
| Campbell County Bank | $240.7M | CBLR | NA | NA | NA | 12.93% |
| Valley Bank of Nevada | $240.8M | Risk-based | 15.56% | 15.56% | 16.81% | 10.31% |
| Bankcda | $238.9M | CBLR | NA | NA | NA | 11.45% |
| First Bank Hampton | $240.9M | CBLR | NA | NA | NA | 11.61% |
| Bank of Grandin | $241.0M | CBLR | NA | NA | NA | 14.66% |
| Peer 25th percentile | 15.54% | 15.54% | 16.63% | 10.47% | ||
| Peer median | 15.56% | 15.56% | 16.81% | 11.53% | ||
| Peer 75th percentile | 16.13% | 16.13% | 17.22% | 12.61% | ||
| 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/533535/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.