First State Bank of Livingston: 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 15.52% +6.52 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 | $112.9M | 112,915 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $727.4M | 727,387 | RCOAA224 |
| Recomputed ratio | 15.52% | numerator / denominator | |
| Filed ratio | 15.52% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +6.52 pp | $47.5M | 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 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | RCOAP742 |
| Retained earnings | 104,915 | 103,940 | 102,217 | 102,786 | 101,410 | 100,635 | RCOAKW00 |
| Accumulated other comprehensive income | (22,073) | (21,457) | (21,112) | (21,802) | (27,321) | (24,293) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 90,842 | 90,483 | 89,105 | 88,984 | 82,089 | 84,342 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 22,073 | 21,457 | 21,112 | 21,802 | 27,321 | 24,293 | P859 - P840 |
| Common equity Tier 1 capital | 112,915 | 111,940 | 110,217 | 110,786 | 109,410 | 108,635 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 112,915 | 111,940 | 110,217 | 110,786 | 109,410 | 108,635 | 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 | 727,387 | 747,357 | 704,227 | 696,405 | 722,351 | 745,311 | 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 | 15.52% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 14.98% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 15.65% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 15.91% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 15.15% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 14.58% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 14.93% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 15.27% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 14.54% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 14.27% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 14.58% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 14.29% | 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 Livingston (this bank) | CBLR | NA | NA | NA | 15.52% | |
| Capital Bank | $689.7M | Risk-based | 13.14% | 13.14% | 14.36% | 10.81% |
| Bankorion | $688.1M | CBLR | NA | NA | NA | 9.73% |
| Citizens Bank | $690.6M | Risk-based | 12.51% | 12.51% | 13.59% | 9.78% |
| Trupoint Bank | $690.8M | CBLR | NA | NA | NA | 10.60% |
| Yampa Valley Bank | $687.6M | CBLR | NA | NA | NA | 9.39% |
| American Nation Bank | $691.5M | CBLR | NA | NA | NA | 10.31% |
| Premier Bank Minnesota | $691.5M | Risk-based | 12.43% | 12.43% | 13.68% | 10.02% |
| Citizens National Bank | $691.8M | Risk-based | 17.18% | 17.18% | 18.43% | 12.73% |
| First National Bank and Trust Company of Ardmore | $686.7M | CBLR | NA | NA | NA | 10.07% |
| Hometown Bank | $691.9M | Risk-based | 10.75% | 10.75% | 11.99% | 8.28% |
| Peer 25th percentile | 12.43% | 12.43% | 13.59% | 9.74% | ||
| Peer median | 12.51% | 12.51% | 13.68% | 10.04% | ||
| Peer 75th percentile | 13.14% | 13.14% | 14.36% | 10.53% | ||
| 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/884358/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.