First National Bank in Taylorville: 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 14.41% +5.41 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 | $29.8M | 29,843 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $207.1M | 207,050 | RCOAA224 |
| Recomputed ratio | 14.41% | numerator / denominator | |
| Filed ratio | 14.41% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +5.41 pp | $11.2M | 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 | 3,950 | 3,950 | 3,950 | 3,950 | 3,950 | 3,950 | RCOAP742 |
| Retained earnings | 25,893 | 25,362 | 24,780 | 24,958 | 24,492 | 24,178 | RCOAKW00 |
| Accumulated other comprehensive income | (6,249) | (5,851) | (6,007) | (6,369) | (8,850) | (8,996) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 23,594 | 23,461 | 22,723 | 22,539 | 19,592 | 19,132 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,249 | 5,851 | 6,007 | 6,369 | 8,849 | 8,991 | P859 - P840 |
| Common equity Tier 1 capital | 29,843 | 29,312 | 28,730 | 28,908 | 28,441 | 28,123 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 29,843 | 29,312 | 28,730 | 28,908 | 28,441 | 28,123 | 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 | 207,050 | 206,222 | 203,360 | 203,254 | 201,033 | 206,422 | 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 | 14.41% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 14.21% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 14.13% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 14.22% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 14.15% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.62% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 13.59% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 13.42% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 13.19% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 13.08% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.79% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.32% | 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 Taylorville (this bank) | CBLR | NA | NA | NA | 14.41% | |
| York State Bank | $200.2M | Risk-based | 18.97% | 18.97% | 20.03% | 13.92% |
| The First National Bank of McConnelsville | $200.2M | Risk-based | 19.99% | 19.99% | 21.24% | 8.61% |
| New Haven Bank | $200.0M | Risk-based | 10.70% | 10.70% | 11.94% | 8.23% |
| Massena Savings and Loan | $199.9M | Risk-based | 22.86% | 22.86% | 23.81% | 15.15% |
| The Valley State Bank | $200.5M | CBLR | NA | NA | NA | 12.18% |
| First State Bank | $199.5M | CBLR | NA | NA | NA | 11.94% |
| Keystone Savings Bank | $200.8M | Risk-based | 15.37% | 15.37% | 16.47% | 11.29% |
| Smartbiz Bank, N.A. | $200.8M | Risk-based | 10.24% | 10.24% | 11.50% | 8.42% |
| Blue Ridge Bank | $199.4M | Risk-based | 14.60% | 14.60% | 15.86% | 9.19% |
| The First National Bank of Evant | $199.4M | CBLR | NA | NA | NA | 9.83% |
| Peer 25th percentile | 12.65% | 12.65% | 13.90% | 8.75% | ||
| Peer median | 15.37% | 15.37% | 16.47% | 10.56% | ||
| Peer 75th percentile | 19.48% | 19.48% | 20.64% | 12.12% | ||
| 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/177443/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.