First Westroads Bank, 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 11.36% +2.36 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 | $45.2M | 45,235 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $398.3M | 398,310 | RCOAA224 |
| Recomputed ratio | 11.36% | numerator / denominator | |
| Filed ratio | 11.36% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.36 pp | $9.4M | 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 | 18,571 | 18,462 | 18,377 | 18,180 | 18,040 | 18,040 | RCOAP742 |
| Retained earnings | 26,664 | 25,251 | 23,888 | 25,261 | 24,021 | 22,636 | RCOAKW00 |
| Accumulated other comprehensive income | (713) | (530) | 24 | (82) | (343) | (686) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 44,522 | 43,183 | 42,289 | 43,359 | 41,718 | 39,990 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 713 | 530 | (24) | 82 | 343 | 686 | P859 - P840 |
| Common equity Tier 1 capital | 45,235 | 43,713 | 42,265 | 43,441 | 42,061 | 40,676 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 45,235 | 43,713 | 42,265 | 43,441 | 42,061 | 40,676 | 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 | 398,310 | 379,987 | 399,808 | 389,972 | 378,713 | 364,481 | 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 | 11.36% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.50% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.57% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.14% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.11% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.16% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.94% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.66% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.90% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 18.93% | 18.93% | 20.19% | 13.16% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 19.89% | 19.89% | 21.15% | 13.23% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 21.07% | 21.07% | 22.34% | 13.31% | 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 Westroads Bank, Inc. (this bank) | CBLR | NA | NA | NA | 11.36% | |
| The First National Bank of Stanton | $394.9M | Risk-based | 40.14% | 40.14% | 41.39% | 17.49% |
| The Bank of Glen Burnie | $394.9M | Risk-based | 11.95% | 11.95% | 13.10% | 8.79% |
| First National Bank of Pana | $394.8M | CBLR | NA | NA | NA | 10.55% |
| Citizens Bank of the South | $395.1M | Risk-based | 17.59% | 17.59% | 18.84% | 11.94% |
| Southern Independent Bank | $395.3M | CBLR | NA | NA | NA | 13.63% |
| Ascendia Bank | $395.3M | Risk-based | 13.67% | 13.67% | 14.33% | 9.29% |
| Balboa Thrift and Loan Association | $394.5M | CBLR | NA | NA | NA | 10.61% |
| Peoples Trust Company of St. Albans | $395.4M | Risk-based | 16.41% | 16.41% | 17.67% | 11.79% |
| Austin Capital Bank SSB | $395.4M | Risk-based | 39.04% | 39.04% | 40.29% | 10.22% |
| Peer 25th percentile | 14.36% | 14.36% | 15.16% | 10.22% | ||
| Peer median | 17.00% | 17.00% | 18.25% | 10.61% | ||
| Peer 75th percentile | 33.68% | 33.68% | 34.93% | 11.94% | ||
| This bank's percentile | NA | NA | NA | 56 |
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/222754/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.