Firstoak Bank: 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 10.48% +1.48 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 | $25.4M | 25,361 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $241.9M | 241,938 | RCOAA224 |
| Recomputed ratio | 10.48% | numerator / denominator | |
| Filed ratio | 10.48% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.48 pp | $3.6M | 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 | 11,788 | 11,788 | 11,788 | 11,788 | 11,788 | 11,788 | RCOAP742 |
| Retained earnings | 15,116 | 14,534 | 14,347 | 14,223 | 14,097 | 13,986 | RCOAKW00 |
| Accumulated other comprehensive income | (362) | (477) | (300) | (367) | (644) | (814) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 26,542 | 25,845 | 25,835 | 25,644 | 25,241 | 24,960 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,181) | (1,079) | (1,269) | (1,215) | (951) | (794) | P859 - P840 |
| Common equity Tier 1 capital | 25,361 | 24,766 | 24,566 | 24,429 | 24,290 | 24,166 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 25,361 | 24,766 | 24,566 | 24,429 | 24,290 | 24,166 | 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 | 241,938 | 244,776 | 242,456 | 244,656 | 240,307 | 240,218 | 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 | 10.48% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.12% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.13% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.98% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.11% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.06% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.12% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.90% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.57% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.80% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.81% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.44% | 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 |
|---|---|---|---|---|---|---|
| Firstoak Bank (this bank) | CBLR | NA | NA | NA | 10.48% | |
| Nebraska Bank of Commerce | $241.2M | Risk-based | 11.86% | 11.86% | 13.12% | 9.56% |
| Method Bank | $241.2M | CBLR | NA | NA | NA | 9.80% |
| Adams County Bank | $241.1M | Risk-based | 16.81% | 16.81% | 17.84% | 11.82% |
| TIAA Trust, N.A. | $241.1M | Risk-based | 413.35% | 413.35% | 413.35% | 92.86% |
| Security Savings Bank | $241.4M | CBLR | NA | NA | NA | 12.97% |
| Bank of Grandin | $241.0M | CBLR | NA | NA | NA | 14.66% |
| First Bank Hampton | $240.9M | CBLR | NA | NA | NA | 11.61% |
| Valley Bank of Nevada | $240.8M | Risk-based | 15.56% | 15.56% | 16.81% | 10.31% |
| Campbell County Bank | $240.7M | CBLR | NA | NA | NA | 12.93% |
| Peoples Trust and Savings Bank | $240.6M | CBLR | NA | NA | NA | 12.96% |
| Peer 25th percentile | 14.64% | 14.64% | 15.89% | 10.64% | ||
| Peer median | 16.19% | 16.19% | 17.33% | 12.38% | ||
| Peer 75th percentile | 115.94% | 115.94% | 116.72% | 12.96% | ||
| This bank's percentile | NA | NA | NA | 30 |
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/916857/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.