First State Bank: 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 9.80% +0.80 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 | $54.9M | 54,922 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $560.3M | 560,277 | RCOAA224 |
| Recomputed ratio | 9.80% | numerator / denominator | |
| Filed ratio | 9.80% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.80 pp | $4.5M | 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 | 14,275 | 14,275 | 14,275 | 14,275 | 14,275 | 14,275 | RCOAP742 |
| Retained earnings | 42,271 | 41,968 | 41,022 | 40,864 | 39,873 | 39,524 | RCOAKW00 |
| Accumulated other comprehensive income | (6,628) | (7,402) | (6,802) | (7,870) | (9,777) | (10,719) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 49,918 | 48,841 | 48,495 | 47,269 | 44,371 | 43,080 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,004 | 5,632 | 4,733 | 5,619 | 7,447 | 8,370 | P859 - P840 |
| Common equity Tier 1 capital | 54,922 | 54,473 | 53,228 | 52,888 | 51,818 | 51,450 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 54,922 | 54,473 | 53,228 | 52,888 | 51,818 | 51,450 | 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 | 560,277 | 561,134 | 542,302 | 533,699 | 535,132 | 541,195 | 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 | 9.80% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.71% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.82% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.91% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.68% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.51% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.49% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.50% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.12% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.06% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 8.88% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.30% | 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 State Bank (this bank) | CBLR | NA | NA | NA | 9.80% | |
| First Pryority Bank | $558.1M | CBLR | NA | NA | NA | 10.55% |
| Central State Bank | $557.8M | CBLR | NA | NA | NA | 10.43% |
| Northwestern Mutual Wealth Management Company | $557.7M | CBLR | NA | NA | NA | 54.95% |
| Security Savings Bank | $557.4M | Risk-based | 10.27% | 10.27% | 11.15% | 9.38% |
| Chickasaw Community Bank | $557.1M | Risk-based | 19.98% | 19.98% | 21.24% | 11.03% |
| Sunmark Community Bank | $556.6M | CBLR | NA | NA | NA | 14.61% |
| Mountain Valley Bank | $556.5M | CBLR | NA | NA | NA | 10.51% |
| Community Resource Bank | $556.4M | Risk-based | 13.97% | 13.97% | 15.22% | 10.52% |
| Kodabank | $559.8M | CBLR | NA | NA | NA | 10.28% |
| Peer 25th percentile | 12.12% | 12.12% | 13.18% | 10.43% | ||
| Peer median | 13.97% | 13.97% | 15.22% | 10.52% | ||
| Peer 75th percentile | 16.98% | 16.98% | 18.23% | 11.03% | ||
| This bank's percentile | NA | NA | NA | 11 |
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/801047/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.