The First State Bank of Shelby: 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 19.38% +10.38 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 | $33.2M | 33,160 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $171.1M | 171,076 | RCOAA224 |
| Recomputed ratio | 19.38% | numerator / denominator | |
| Filed ratio | 19.38% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +10.38 pp | $17.8M | 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 | 7,500 | 7,500 | 7,500 | 7,500 | 7,500 | 7,500 | RCOAP742 |
| Retained earnings | 25,660 | 25,102 | 24,577 | 25,438 | 25,055 | 24,763 | RCOAKW00 |
| Accumulated other comprehensive income | (6,797) | (6,773) | (6,297) | (6,505) | (7,928) | (7,680) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 26,363 | 25,829 | 25,780 | 26,433 | 24,627 | 24,583 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,797 | 6,773 | 6,297 | 6,505 | 7,928 | 7,680 | P859 - P840 |
| Common equity Tier 1 capital | 33,160 | 32,602 | 32,077 | 32,938 | 32,555 | 32,263 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 33,160 | 32,602 | 32,077 | 32,938 | 32,555 | 32,263 | 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 | 171,076 | 165,595 | 166,136 | 158,026 | 156,002 | 154,072 | 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 | 19.38% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 19.69% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 19.31% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 20.84% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 20.87% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 20.94% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 20.81% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 20.90% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 20.80% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 20.46% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 20.10% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 20.08% | 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 State Bank of Shelby (this bank) | CBLR | NA | NA | NA | 19.38% | |
| Brunswick State Bank | $175.6M | CBLR | NA | NA | NA | 9.39% |
| Bank of Prairie Village | $175.7M | CBLR | NA | NA | NA | 10.22% |
| New Frontier Bank | $175.7M | CBLR | NA | NA | NA | 9.25% |
| PBK Bank, Inc | $175.6M | CBLR | NA | NA | NA | 15.17% |
| Jackson County Bank | $175.9M | CBLR | NA | NA | NA | 28.83% |
| Community State Bank | $175.9M | Risk-based | 16.81% | 16.81% | 17.83% | 10.48% |
| First National Bank and Trust Company of Bottineau | $175.9M | CBLR | NA | NA | NA | 13.60% |
| Security Bank of Texas | $175.9M | CBLR | NA | NA | NA | 12.00% |
| Bank Michigan | $176.0M | Risk-based | 12.69% | 12.69% | 13.87% | 11.25% |
| All Capital Bank | $176.1M | CBLR | NA | NA | NA | 9.52% |
| Peer 25th percentile | 13.72% | 13.72% | 14.86% | 9.69% | ||
| Peer median | 14.75% | 14.75% | 15.85% | 10.87% | ||
| Peer 75th percentile | 15.78% | 15.78% | 16.84% | 13.20% | ||
| This bank's percentile | NA | NA | NA | 90 |
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/686758/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.