First National Bank in Port Lavaca: 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 13.00% +4.00 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 | $49.2M | 49,219 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $378.6M | 378,594 | RCOAA224 |
| Recomputed ratio | 13.00% | numerator / denominator | |
| Filed ratio | 13.00% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.00 pp | $15.1M | 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 | 6,600 | 6,600 | 6,600 | 6,600 | 6,600 | 6,600 | RCOAP742 |
| Retained earnings | 42,619 | 42,823 | 41,875 | 41,939 | 40,942 | 40,207 | RCOAKW00 |
| Accumulated other comprehensive income | (11,674) | (11,792) | (11,052) | (11,797) | (14,159) | (14,160) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 37,545 | 37,631 | 37,423 | 36,742 | 33,383 | 32,647 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 11,674 | 11,792 | 11,052 | 11,797 | 14,159 | 14,160 | P859 - P840 |
| Common equity Tier 1 capital | 49,219 | 49,423 | 48,475 | 48,539 | 47,542 | 46,807 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 49,219 | 49,423 | 48,475 | 48,539 | 47,542 | 46,807 | 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 | 378,594 | 382,967 | 392,048 | 379,593 | 389,677 | 391,071 | 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 | 13.00% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.91% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.36% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.79% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.20% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.97% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.35% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.39% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.53% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.60% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.91% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.83% | 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 Port Lavaca (this bank) | CBLR | NA | NA | NA | 13.00% | |
| Citizens First Bank | $361.3M | Risk-based | 9.97% | 9.97% | 11.09% | 8.24% |
| Rabun County Bank | $361.5M | CBLR | NA | NA | NA | 10.49% |
| Heritage Bank, N.A. | $361.1M | Risk-based | 15.33% | 15.33% | 16.59% | 10.81% |
| Shell Lake State Bank | $361.8M | CBLR | NA | NA | NA | 12.31% |
| American State Bank | $360.8M | CBLR | NA | NA | NA | 11.11% |
| Roxboro Savings Bank, SSB | $360.7M | Risk-based | 38.92% | 38.92% | 40.17% | 18.97% |
| Native American Bank, N.A. | $362.0M | CBLR | NA | NA | NA | 14.39% |
| Desjardins Bank, N.A. | $362.1M | CBLR | NA | NA | NA | 19.31% |
| Legacy Bank | $360.2M | Risk-based | 27.83% | 27.83% | 28.81% | 20.64% |
| Bankokolona | $359.6M | CBLR | NA | NA | NA | 10.09% |
| Peer 25th percentile | 13.99% | 13.99% | 15.21% | 10.57% | ||
| Peer median | 21.58% | 21.58% | 22.70% | 11.71% | ||
| Peer 75th percentile | 30.60% | 30.60% | 31.65% | 17.83% | ||
| This bank's percentile | NA | NA | NA | 60 |
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/855264/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.