The First National Bank of Tom Bean: 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 12.15% +3.15 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 | $18.7M | 18,682 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $153.8M | 153,798 | RCOAA224 |
| Recomputed ratio | 12.15% | numerator / denominator | |
| Filed ratio | 12.15% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.15 pp | $4.8M | 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 | 9,393 | 9,393 | 9,393 | 9,393 | 9,393 | 9,393 | RCOAP742 |
| Retained earnings | 9,298 | 8,964 | 8,733 | 7,668 | 7,309 | 7,123 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 18,691 | 18,357 | 18,126 | 17,061 | 16,702 | 16,516 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (9) | (10) | (12) | (25) | (27) | (55) | P859 - P840 |
| Common equity Tier 1 capital | 18,682 | 18,347 | 18,114 | 17,036 | 16,675 | 16,461 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 18,682 | 18,347 | 18,114 | 17,036 | 16,675 | 16,461 | RCOA8274 |
| Tier 2 capital | NA | NA | 1,307 | 1,294 | 1,251 | 1,251 | |
| Allowance includable in Tier 2 capital | NA | NA | 1,307 | 1,294 | 1,251 | 1,251 | |
| Total capital | NA | NA | 19,421 | 18,330 | 17,926 | 17,712 | |
| Total risk-weighted assets | NA | NA | 103,870 | 102,913 | 99,541 | 99,660 | |
| Average total assets for the leverage ratio | 153,798 | 148,549 | 149,586 | 148,089 | 143,390 | 143,619 | 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 | 12.15% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.35% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 17.44% | 17.44% | 18.70% | 12.11% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 16.55% | 16.55% | 17.81% | 11.50% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 16.75% | 16.75% | 18.01% | 11.63% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 16.52% | 16.52% | 17.77% | 11.46% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 16.85% | 16.85% | 18.10% | 11.13% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 16.39% | 16.39% | 17.65% | 10.99% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 16.28% | 16.28% | 17.53% | 11.12% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.86% | 15.86% | 17.12% | 11.31% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.81% | 15.81% | 17.06% | 11.15% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 16.27% | 16.27% | 17.53% | 11.28% | 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 Tom Bean (this bank) | CBLR | NA | NA | NA | 12.15% | |
| Icon Business Bank | $155.5M | CBLR | NA | NA | NA | 11.94% |
| Citizens Bank & Trust Company | $155.4M | Risk-based | 14.95% | 14.95% | 16.21% | 9.92% |
| Audubon State Bank | $155.3M | Risk-based | 14.41% | 14.41% | 15.57% | 10.46% |
| Federation Bank | $155.8M | CBLR | NA | NA | NA | 10.49% |
| Del Norte Bank, a Savings and Loan Association | $155.3M | CBLR | NA | NA | NA | 10.69% |
| PNB Community Bank | $155.2M | CBLR | NA | NA | NA | 10.32% |
| Bank of Winnfield & Trust Company | $156.0M | Risk-based | 31.13% | 31.13% | 32.16% | 14.43% |
| Graham Savings and Loan, SSB | $155.1M | Risk-based | 20.66% | 20.66% | 21.91% | 11.73% |
| Security Bank of the Ozarks | $155.1M | Risk-based | 10.40% | 10.40% | 11.40% | 7.62% |
| Farmers State Bank | $156.2M | Risk-based | 18.09% | 18.09% | 19.36% | 13.92% |
| Peer 25th percentile | 14.54% | 14.54% | 15.73% | 10.35% | ||
| Peer median | 16.52% | 16.52% | 17.78% | 10.59% | ||
| Peer 75th percentile | 20.02% | 20.02% | 21.28% | 11.89% | ||
| This bank's percentile | NA | NA | NA | 80 |
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/193162/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.