The First Central National Bank of Saint Paris: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 22.56% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 22.56% (RCOAH311).
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.
Common equity Tier 1 ratio 29.75% +23.25 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $18.7M | 18,724 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $62.9M | 62,934 | RCOAA223 |
| Recomputed ratio | 29.75% | numerator / denominator | |
| Filed ratio | 29.75% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +23.25 pp | $14.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 29.75% +21.75 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $18.7M | 18,724 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $62.9M | 62,934 | RCOAA223 |
| Recomputed ratio | 29.75% | numerator / denominator | |
| Filed ratio | 29.75% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +21.75 pp | $13.7M | capital that could be lost first |
Total risk-based capital ratio 30.56% +20.56 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $19.2M | 19,233 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $62.9M | 62,934 | RCOAA223 |
| Recomputed ratio | 30.56% | numerator / denominator | |
| Filed ratio | 30.56% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +20.56 pp | $12.9M | capital that could be lost first |
Tier 1 leverage ratio 18.89% +13.89 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $18.7M | 18,724 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $99.1M | 99,129 | RCOAA224 |
| Recomputed ratio | 18.89% | numerator / denominator | |
| Filed ratio | 18.89% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +13.89 pp | $13.8M | 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 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | RCOAP742 |
| Retained earnings | 16,860 | 16,747 | 16,575 | 16,925 | 16,894 | 16,779 | RCOAKW00 |
| Accumulated other comprehensive income | (68) | (55) | 62 | 17 | (24) | (112) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 18,792 | 18,692 | 18,637 | 18,942 | 18,870 | 18,667 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (68) | (55) | (62) | (17) | 24 | 112 | P859 - P840 |
| Common equity Tier 1 capital | 18,724 | 18,637 | 18,575 | 18,925 | 18,894 | 18,779 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 18,724 | 18,637 | 18,575 | 18,925 | 18,894 | 18,779 | RCOA8274 |
| Tier 2 capital | 509 | 509 | 504 | 504 | 504 | 503 | RCOA5311 |
| Allowance includable in Tier 2 capital | 509 | 509 | 504 | 504 | 504 | 503 | RCOA5310 |
| Total capital | 19,233 | 19,146 | 19,079 | 19,429 | 19,398 | 19,282 | RCOA3792 |
| Total risk-weighted assets | 62,934 | 65,126 | 63,422 | 63,905 | 60,038 | 61,138 | RCOAA223 |
| Average total assets for the leverage ratio | 99,129 | 98,316 | 98,853 | 96,211 | 96,106 | 94,215 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $7.5M | $250K | 3.33% | 0.40% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $19.5M | $1.6M | 8.32% | 2.57% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $2.7M | $2.7M | 100.00% | 4.28% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $18.5M | $9.3M | 50.00% | 14.72% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $40.7M | $40.7M | 100.00% | 64.62% | RC-R Part II, item 4.d, 5.d |
| All other assets | $8.7M | $8.4M | 96.61% | 13.35% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $215K | $43K | 20.00% | 0.07% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $62.9M | ties to item 31 ($62.9M) |
|---|---|---|
| Risk-weighted assets before deductions | $62.9M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $62.9M | RCONG641, ties |
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 | Risk-based | 29.75% | 29.75% | 30.56% | 18.89% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | Risk-based | 28.62% | 28.62% | 29.40% | 18.96% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | Risk-based | 29.29% | 29.29% | 30.08% | 18.79% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | Risk-based | 29.61% | 29.61% | 30.40% | 19.67% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | Risk-based | 31.47% | 31.47% | 32.31% | 19.66% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | Risk-based | 30.72% | 30.72% | 31.54% | 19.93% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | Risk-based | 30.65% | 30.65% | 31.47% | 19.84% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | Risk-based | 30.85% | 30.85% | 31.68% | 20.34% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | Risk-based | 31.00% | 31.00% | 31.84% | 19.81% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | 30.79% | 30.79% | 31.63% | 19.23% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | 29.99% | 29.99% | 30.81% | 18.41% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | Risk-based | 30.43% | 30.43% | 31.27% | 18.09% | 20.70% | 20.70% | 21.86% | 12.73% |
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 First Central National Bank of Saint Paris (this bank) | Risk-based | 29.75% | 29.75% | 30.56% | 18.89% | |
| BANK47 | $97.0M | CBLR | NA | NA | NA | 12.97% |
| Port Richmond Savings | $97.2M | CBLR | NA | NA | NA | 22.56% |
| Genesis Bank | $97.2M | CBLR | NA | NA | NA | 19.59% |
| United Security Bank | $97.2M | Risk-based | 19.42% | 19.42% | 20.68% | 13.38% |
| The Citizens State Bank of Cheney, Kansas | $96.7M | CBLR | NA | NA | NA | 11.10% |
| Senath State Bank | $97.3M | CBLR | NA | NA | NA | 15.45% |
| Boston Trust Walden N.A. | $96.6M | Risk-based | 89.32% | 89.32% | 89.33% | 64.46% |
| The Miners National Bank of Eveleth | $96.6M | Risk-based | 20.90% | 20.90% | 22.16% | 10.07% |
| Johnson State Bank | $96.6M | CBLR | NA | NA | NA | 14.72% |
| Peer 25th percentile | 20.16% | 20.16% | 21.42% | 12.97% | ||
| Peer median | 20.90% | 20.90% | 22.16% | 14.72% | ||
| Peer 75th percentile | 55.11% | 55.11% | 55.74% | 19.59% | ||
| This bank's percentile | 67 | 67 | 67 | 67 |
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/538222/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.