First State Bank and Trust Company, Inc.: 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 12.57% +3.57 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 | $82.5M | 82,533 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $656.6M | 656,619 | RCOAA224 |
| Recomputed ratio | 12.57% | numerator / denominator | |
| Filed ratio | 12.57% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.57 pp | $23.4M | 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 | 17,017 | 17,017 | 17,017 | 17,017 | 17,017 | 17,017 | RCOAP742 |
| Retained earnings | 66,741 | 64,140 | 62,382 | 60,328 | 58,614 | 58,262 | RCOAKW00 |
| Accumulated other comprehensive income | (10,263) | (11,468) | (10,346) | (12,015) | (14,669) | (14,896) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 73,495 | 69,689 | 69,053 | 65,330 | 60,962 | 60,383 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 9,038 | 10,243 | 9,121 | 10,632 | 13,307 | 13,576 | P859 - P840 |
| Common equity Tier 1 capital | 82,533 | 79,932 | 78,174 | 75,962 | 74,269 | 73,959 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 82,533 | 79,932 | 78,174 | 75,962 | 74,269 | 73,959 | 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 | 656,619 | 642,733 | 641,968 | 625,841 | 615,010 | 622,164 | 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 | 12.57% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.44% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.18% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.14% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.08% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.89% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.56% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.27% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.88% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.20% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.61% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.82% | 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 and Trust Company, Inc. (this bank) | CBLR | NA | NA | NA | 12.57% | |
| GBC International Bank | $658.5M | CBLR | NA | NA | NA | 15.94% |
| Wellington State Bank | $659.7M | Risk-based | 16.54% | 16.54% | 17.79% | 9.55% |
| South Louisiana Bank | $659.8M | CBLR | NA | NA | NA | 15.30% |
| Bank of Oak Ridge | $658.1M | CBLR | NA | NA | NA | 12.53% |
| Bruning Bank | $659.9M | CBLR | NA | NA | NA | 10.01% |
| Homeland Federal Savings Bank | $657.8M | CBLR | NA | NA | NA | 9.21% |
| First Southwest Bank | $657.5M | Risk-based | 26.56% | 26.56% | 27.81% | 15.31% |
| Classic Bank, N.A. | $657.5M | Risk-based | 15.44% | 15.44% | 16.70% | 11.58% |
| The Hometown Bank of Alabama | $660.7M | Risk-based | 18.97% | 18.97% | 20.07% | 11.08% |
| Peer 25th percentile | 16.27% | 16.27% | 17.52% | 10.01% | ||
| Peer median | 17.76% | 17.76% | 18.93% | 11.58% | ||
| Peer 75th percentile | 20.87% | 20.87% | 22.01% | 15.30% | ||
| This bank's percentile | NA | NA | NA | 67 |
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/489548/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.