The First National Bank of Williamson: 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 20.13% +11.13 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 | $23.7M | 23,686 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $117.7M | 117,684 | RCOAA224 |
| Recomputed ratio | 20.13% | numerator / denominator | |
| Filed ratio | 20.13% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +11.13 pp | $13.1M | 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 | 22,805 | 22,805 | 22,805 | 22,805 | 7,805 | 7,805 | RCOAP742 |
| Retained earnings | 881 | 1,054 | 1,159 | 1,152 | 1,276 | 1,166 | RCOAKW00 |
| Accumulated other comprehensive income | (889) | (936) | (963) | (1,478) | (1,958) | (1,869) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 22,797 | 22,923 | 23,001 | 22,479 | 7,123 | 7,102 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 889 | 936 | 963 | 1,478 | 1,958 | 1,869 | P859 - P840 |
| Common equity Tier 1 capital | 23,686 | 23,859 | 23,964 | 23,957 | 9,081 | 8,971 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 23,686 | 23,859 | 23,964 | 23,957 | 9,081 | 8,971 | RCOA8274 |
| Tier 2 capital | NA | NA | 794 | 775 | 762 | 773 | |
| Allowance includable in Tier 2 capital | NA | NA | 794 | 775 | 762 | 773 | |
| Total capital | NA | NA | 24,758 | 24,732 | 9,843 | 9,744 | |
| Total risk-weighted assets | NA | NA | 63,089 | 61,541 | 60,433 | 61,293 | |
| Average total assets for the leverage ratio | 117,684 | 118,058 | 120,197 | 109,456 | 114,236 | 117,730 | 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 | 20.13% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 20.21% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 37.98% | 37.98% | 39.24% | 19.94% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 38.93% | 38.93% | 40.19% | 21.89% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 15.03% | 15.03% | 16.29% | 7.95% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.64% | 14.64% | 15.90% | 7.62% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.31% | 11.31% | 12.57% | 7.65% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.12% | 11.12% | 12.37% | 7.71% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.32% | 11.32% | 12.58% | 7.95% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.48% | 11.48% | 12.74% | 7.93% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.78% | 11.78% | 13.04% | 8.08% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.38% | 12.38% | 13.64% | 8.71% | 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 Williamson (this bank) | CBLR | NA | NA | NA | 20.13% | |
| United Bank & Trust Co. | $120.1M | Risk-based | 16.47% | 16.47% | 17.70% | 10.46% |
| Global Innovations Bank | $120.1M | Risk-based | 11.57% | 11.57% | 12.48% | 8.47% |
| Centrebank | $120.0M | CBLR | NA | NA | NA | 17.16% |
| Peoples Bank Mt Washington | $120.0M | Risk-based | 12.93% | 12.93% | 14.15% | 10.59% |
| Farmers & Merchants Bank of North Dakota | $119.8M | Risk-based | 20.78% | 20.78% | 21.49% | 10.99% |
| Custer Federal State Bank | $120.7M | CBLR | NA | NA | NA | 11.99% |
| The Hamilton Bank | $119.8M | Risk-based | 17.21% | 17.21% | 17.63% | 9.29% |
| Fredonia Valley Bank | $119.8M | CBLR | NA | NA | NA | 11.49% |
| First Community Bank of Moultrie County | $119.7M | Risk-based | 19.07% | 19.07% | 20.32% | 9.13% |
| Logan County Bank | $120.8M | Risk-based | 29.84% | 29.84% | 31.09% | 16.89% |
| Peer 25th percentile | 14.70% | 14.70% | 15.89% | 9.59% | ||
| Peer median | 17.21% | 17.21% | 17.70% | 10.79% | ||
| Peer 75th percentile | 19.92% | 19.92% | 20.91% | 11.86% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/917630/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.