The First National Bank of Groton: 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 14.58% +5.58 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 | $31.0M | 31,000 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $212.6M | 212,571 | RCOAA224 |
| Recomputed ratio | 14.58% | numerator / denominator | |
| Filed ratio | 14.58% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +5.58 pp | $11.9M | 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 | 600 | 600 | 600 | 600 | 600 | 600 | RCOAP742 |
| Retained earnings | 30,400 | 30,305 | 29,637 | 29,682 | 28,865 | 28,870 | RCOAKW00 |
| Accumulated other comprehensive income | (3,468) | (3,466) | (2,939) | (3,164) | (4,491) | (4,382) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 27,532 | 27,439 | 27,298 | 27,118 | 24,974 | 25,088 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,468 | 3,466 | 2,939 | 2,859 | 4,196 | 4,087 | P859 - P840 |
| Common equity Tier 1 capital | 31,000 | 30,905 | 30,237 | 29,977 | 29,170 | 29,175 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 31,000 | 30,905 | 30,237 | 29,977 | 29,170 | 29,175 | 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 | 212,571 | 209,567 | 205,299 | 201,196 | 204,057 | 203,875 | 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 | 14.58% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 14.75% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 14.73% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 14.90% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 14.29% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 14.31% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 14.27% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 14.48% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 14.75% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 14.79% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 14.43% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 14.36% | 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 |
|---|---|---|---|---|---|---|
| The First National Bank of Groton (this bank) | CBLR | NA | NA | NA | 14.58% | |
| The First National Bank of Dryden | $203.9M | CBLR | NA | NA | NA | 13.55% |
| Greeneville Federal Bank, F.S.B. | $203.9M | Risk-based | 22.14% | 22.14% | 23.39% | 15.59% |
| Minnstar Bank N.A. | $204.0M | Risk-based | 13.42% | 13.42% | 14.67% | 10.38% |
| Scott State Bank | $203.5M | CBLR | NA | NA | NA | 13.67% |
| NorthStar Bank | $203.4M | Risk-based | 16.72% | 16.72% | 17.66% | 11.66% |
| Boc Bank | $203.4M | Risk-based | 16.02% | 16.02% | 17.27% | 12.41% |
| Bank of Commerce | $203.2M | Risk-based | 18.05% | 18.05% | 19.30% | 12.78% |
| Houghton State Bank | $204.9M | Risk-based | 19.94% | 19.94% | 21.19% | 15.41% |
| Commonwealth Cooperative Bank | $205.0M | CBLR | NA | NA | NA | 16.31% |
| Buffalo Federal Bank | $202.6M | CBLR | NA | NA | NA | 10.38% |
| Peer 25th percentile | 16.19% | 16.19% | 17.37% | 11.85% | ||
| Peer median | 17.38% | 17.38% | 18.48% | 13.16% | ||
| Peer 75th percentile | 19.46% | 19.46% | 20.72% | 14.98% | ||
| This bank's percentile | NA | NA | NA | 70 |
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/917500/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.