First State Bank of Blakely: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 20.27% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 20.27% (RCOAH311).
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.
Common equity Tier 1 ratio 27.02% +20.52 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $129.3M | 129,338 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $478.6M | 478,617 | RCOAA223 |
| Recomputed ratio | 27.02% | numerator / denominator | |
| Filed ratio | 27.02% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +20.52 pp | $98.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 27.02% +19.02 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $129.3M | 129,338 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $478.6M | 478,617 | RCOAA223 |
| Recomputed ratio | 27.02% | numerator / denominator | |
| Filed ratio | 27.02% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +19.02 pp | $91.0M | capital that could be lost first |
Total risk-based capital ratio 28.27% +18.27 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $135.3M | 135,329 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $478.6M | 478,617 | RCOAA223 |
| Recomputed ratio | 28.27% | numerator / denominator | |
| Filed ratio | 28.27% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +18.27 pp | $87.5M | capital that could be lost first |
Tier 1 leverage ratio 19.19% +14.19 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $129.3M | 129,338 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $674.0M | 673,995 | RCOAA224 |
| Recomputed ratio | 19.19% | numerator / denominator | |
| Filed ratio | 19.19% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +14.19 pp | $95.6M | 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 | 25,042 | 25,042 | 25,042 | 25,042 | 25,042 | 25,042 | RCOAP742 |
| Retained earnings | 105,338 | 103,118 | 100,330 | 98,530 | 95,341 | 92,715 | RCOAKW00 |
| Accumulated other comprehensive income | (196) | (144) | (102) | (123) | (262) | (259) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 130,184 | 128,016 | 125,270 | 123,449 | 120,121 | 117,498 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (846) | (898) | (940) | (919) | (780) | (783) | P859 - P840 |
| Common equity Tier 1 capital | 129,338 | 127,118 | 124,330 | 122,530 | 119,341 | 116,715 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 129,338 | 127,118 | 124,330 | 122,530 | 119,341 | 116,715 | RCOA8274 |
| Tier 2 capital | 5,991 | NA | 5,801 | NA | NA | 5,767 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,991 | NA | 5,801 | NA | NA | 5,767 | RCOA5310 |
| Total capital | 135,329 | NA | 130,131 | NA | NA | 122,482 | RCOA3792 |
| Total risk-weighted assets | 478,617 | NA | 463,774 | NA | NA | 460,401 | RCOAA223 |
| Average total assets for the leverage ratio | 673,995 | 664,616 | 672,076 | 663,046 | 661,572 | 663,330 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $79.3M | $1.4M | 1.77% | 0.29% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $112.4M | $4.9M | 4.33% | 1.01% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $73.6M | $38.7M | 52.49% | 8.06% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $13.8M | $20.6M | 150.00% | 4.31% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $367.3M | $367.3M | 100.00% | 76.63% | RC-R Part II, item 4.d, 5.d |
| All other assets | $27.2M | $27.2M | 100.00% | 5.68% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $17.1M | $17.1M | 100.00% | 3.57% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $2.1M | NA | 0.44% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $477.2M | does not tie to item 31 ($479.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $479.3M | RCONB704 |
| Less: excess allowance for credit losses | $702K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $478.6M | RCONG641, ties |
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 | Risk-based | 27.02% | 27.02% | 28.27% | 19.19% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 19.13% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 26.81% | 26.81% | 28.06% | 18.50% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 18.48% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 18.04% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 25.35% | 25.35% | 26.60% | 17.60% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 17.25% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 17.34% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 17.34% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 17.18% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 17.21% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 16.79% | 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 of Blakely (this bank) | Risk-based | 27.02% | 27.02% | 28.27% | 19.19% | |
| Pennian Bank | $667.9M | Risk-based | 15.27% | 15.27% | 16.52% | 9.24% |
| Community State Bank | $667.5M | CBLR | NA | NA | NA | 9.62% |
| TXN Bank | $669.2M | CBLR | NA | NA | NA | 9.68% |
| Bank of Odessa | $667.1M | Risk-based | 24.51% | 24.51% | 25.77% | 13.67% |
| Concordia Bank & Trust Company | $667.0M | CBLR | NA | NA | NA | 11.12% |
| Citizens Bank of Kentucky, Inc | $669.9M | Risk-based | 23.49% | 23.49% | 24.74% | 13.51% |
| The Poca Valley Bank, Inc. | $666.2M | Risk-based | 11.36% | 11.36% | 12.02% | 7.78% |
| The Bank of Southside Virginia | $670.3M | CBLR | NA | NA | NA | 23.38% |
| Peer 25th percentile | 14.29% | 14.29% | 15.39% | 9.53% | ||
| Peer median | 19.38% | 19.38% | 20.63% | 10.40% | ||
| Peer 75th percentile | 23.75% | 23.75% | 25.00% | 13.55% | ||
| This bank's percentile | 100 | 100 | 100 | 88 |
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/5135/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.