First National Bank in Fredonia: 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 16.73% +7.73 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 | $18.2M | 18,197 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $108.8M | 108,793 | RCOAA224 |
| Recomputed ratio | 16.73% | numerator / denominator | |
| Filed ratio | 16.73% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +7.73 pp | $8.4M | 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 | 450 | 450 | 450 | 450 | 450 | 450 | RCOAP742 |
| Retained earnings | 17,747 | 17,366 | 17,016 | 17,261 | 17,345 | 17,004 | RCOAKW00 |
| Accumulated other comprehensive income | (6,439) | (6,393) | (5,563) | (5,802) | (7,261) | (7,056) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 11,758 | 11,423 | 11,903 | 11,909 | 10,534 | 10,398 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,439 | 6,393 | 5,563 | 5,811 | 7,261 | 7,056 | P859 - P840 |
| Common equity Tier 1 capital | 18,197 | 17,816 | 17,466 | 17,720 | 17,795 | 17,454 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 18,197 | 17,816 | 17,466 | 17,720 | 17,795 | 17,454 | 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 | 108,793 | 107,862 | 105,667 | 105,123 | 105,969 | 96,730 | 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 | 16.73% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 16.52% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 16.53% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 16.86% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 16.79% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 18.04% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 16.38% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 16.71% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 18.27% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 17.88% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 18.40% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 35.30% | 35.30% | 36.56% | 18.87% | 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 National Bank in Fredonia (this bank) | CBLR | NA | NA | NA | 16.73% | |
| Sibley State Bank | $104.4M | Risk-based | 15.67% | 15.67% | 16.73% | 11.03% |
| The Corn City State Bank | $104.5M | CBLR | NA | NA | NA | 10.82% |
| Clay County State Bank | $104.3M | CBLR | NA | NA | NA | 13.18% |
| Woodruff Federal Savings and Loan Association | $104.2M | CBLR | NA | NA | NA | 31.47% |
| Strasburg State Bank | $104.2M | Risk-based | 13.67% | 13.67% | 14.13% | 8.67% |
| Ascent Bank | $104.1M | Risk-based | 12.41% | 12.41% | 13.66% | 8.69% |
| Owingsville Banking Company | $104.1M | CBLR | NA | NA | NA | 10.02% |
| Glen Burnie Mutual Savings Bank | $103.9M | Risk-based | 18.64% | 18.64% | 19.37% | 8.80% |
| Bank of Billings | $105.0M | CBLR | NA | NA | NA | 9.88% |
| Exchange State Bank | $105.0M | CBLR | NA | NA | NA | 11.59% |
| Peer 25th percentile | 13.36% | 13.36% | 14.01% | 9.07% | ||
| Peer median | 14.67% | 14.67% | 15.43% | 10.42% | ||
| Peer 75th percentile | 16.41% | 16.41% | 17.39% | 11.45% | ||
| This bank's percentile | NA | NA | NA | 90 |
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/844455/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.