First Lockhart Bank: 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 9.34% +0.34 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 | $38.3M | 38,341 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $410.7M | 410,652 | RCOAA224 |
| Recomputed ratio | 9.34% | numerator / denominator | |
| Filed ratio | 9.34% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.34 pp | $1.4M | 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 | 7,736 | 7,736 | 7,736 | 7,736 | 7,736 | 7,736 | RCOAP742 |
| Retained earnings | 30,605 | 30,165 | 29,803 | 29,305 | 28,562 | 28,126 | RCOAKW00 |
| Accumulated other comprehensive income | (376) | (376) | (313) | (395) | (648) | (831) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 37,965 | 37,525 | 37,226 | 36,646 | 35,650 | 35,031 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 376 | 376 | 313 | 395 | 648 | 831 | P859 - P840 |
| Common equity Tier 1 capital | 38,341 | 37,901 | 37,539 | 37,041 | 36,298 | 35,862 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 38,341 | 37,901 | 37,539 | 37,041 | 36,298 | 35,862 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | 3,227 | 3,224 | 3,250 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | 3,227 | 3,224 | 3,250 | |
| Total capital | NA | NA | NA | 40,268 | 39,522 | 39,112 | |
| Total risk-weighted assets | NA | NA | NA | 279,449 | 268,992 | 262,674 | |
| Average total assets for the leverage ratio | 410,652 | 404,561 | 395,178 | 381,569 | 385,347 | 394,772 | 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 | 9.34% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.37% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.50% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.26% | 13.26% | 14.41% | 9.71% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.49% | 13.49% | 14.69% | 9.42% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.65% | 13.65% | 14.89% | 9.08% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.71% | 13.71% | 14.96% | 9.07% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.82% | 12.82% | 14.01% | 9.17% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.80% | 12.80% | 13.99% | 9.26% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.76% | 12.76% | 13.95% | 9.22% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.28% | 13.28% | 14.53% | 9.08% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.03% | 13.03% | 14.27% | 9.26% | 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 Lockhart Bank (this bank) | CBLR | NA | NA | NA | 9.34% | |
| Bank of Zachary | $416.0M | Risk-based | 18.40% | 18.40% | 19.39% | 11.92% |
| Dakota Western Bank | $416.2M | Risk-based | 14.03% | 14.03% | 15.28% | 11.57% |
| Fleetwood Bank | $415.6M | Risk-based | 12.90% | 12.90% | 14.10% | 7.77% |
| Sentry Bank | $415.5M | Risk-based | 11.00% | 11.00% | 12.25% | 8.66% |
| Farmers State Bank of Calhan | $416.4M | Risk-based | 16.58% | 16.58% | 17.25% | 9.21% |
| Chelsea State Bank | $416.5M | Risk-based | 19.50% | 19.50% | 20.76% | 12.76% |
| Paradise Bank | $415.2M | Risk-based | 13.21% | 13.21% | 14.25% | 8.76% |
| Dakota Heritage Bank | $416.8M | CBLR | NA | NA | NA | 9.83% |
| Touchmark National Bank | $416.9M | Risk-based | 44.24% | 44.24% | 45.50% | 13.11% |
| Peer 25th percentile | 13.13% | 13.13% | 14.22% | 8.76% | ||
| Peer median | 15.30% | 15.30% | 16.26% | 9.83% | ||
| Peer 75th percentile | 18.68% | 18.68% | 19.73% | 11.92% | ||
| This bank's percentile | NA | NA | NA | 44 |
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/631150/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.