The First National Bank of Assumption: 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 11.14% +2.14 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 | $2.7M | 2,717 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $24.4M | 24,389 | RCOAA224 |
| Recomputed ratio | 11.14% | numerator / denominator | |
| Filed ratio | 11.14% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.14 pp | $522K | 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 | 300 | 300 | 300 | 300 | 300 | 300 | RCOAP742 |
| Retained earnings | 2,417 | 2,343 | 2,357 | 2,321 | 2,313 | 2,247 | RCOAKW00 |
| Accumulated other comprehensive income | (314) | (312) | (297) | (323) | (380) | (422) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 2,403 | 2,331 | 2,360 | 2,298 | 2,233 | 2,125 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 314 | 312 | 297 | 323 | 380 | 422 | P859 - P840 |
| Common equity Tier 1 capital | 2,717 | 2,643 | 2,657 | 2,621 | 2,613 | 2,547 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 2,717 | 2,643 | 2,657 | 2,621 | 2,613 | 2,547 | 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 | 24,389 | 23,895 | 23,708 | 25,887 | 24,344 | 24,851 | 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 | 11.14% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 11.06% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 11.21% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 10.12% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 10.73% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 10.25% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 11.26% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 11.27% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 11.06% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 10.59% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 10.17% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 10.37% | 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 National Bank of Assumption (this bank) | CBLR | NA | NA | NA | 11.14% | |
| The Baxter State Bank | $25.2M | CBLR | NA | NA | NA | 19.75% |
| Nebraska State Bank | $25.4M | CBLR | NA | NA | NA | 11.32% |
| Fundbank, N.A. | $25.6M | Risk-based | 260.13% | 260.13% | 260.13% | 80.18% |
| Home Savings Bank, FSB | $25.7M | CBLR | NA | NA | NA | 10.19% |
| The First National Bank of Lipan | $25.9M | Risk-based | 39.10% | 39.10% | 40.34% | 10.64% |
| Boelus State Bank | $24.4M | CBLR | NA | NA | NA | 14.99% |
| Hart County Bank and Trust Company | $24.1M | Risk-based | 39.24% | 39.24% | 40.54% | 34.31% |
| Campus State Bank | $26.2M | CBLR | NA | NA | NA | 12.28% |
| Citicorp Trust Delaware, N.A. | $24.1M | Risk-based | 482.80% | 482.80% | 482.80% | 92.72% |
| First Federal Savings and Loan Association | $26.3M | Risk-based | 23.15% | 23.15% | 24.10% | 10.43% |
| Peer 25th percentile | 39.10% | 39.10% | 40.34% | 10.81% | ||
| Peer median | 39.24% | 39.24% | 40.54% | 13.63% | ||
| Peer 75th percentile | 260.13% | 260.13% | 260.13% | 30.67% | ||
| This bank's percentile | NA | NA | NA | 30 |
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/604033/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.