Flatwater 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 9.38% +0.38 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 | $32.5M | 32,516 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $346.6M | 346,589 | RCOAA224 |
| Recomputed ratio | 9.38% | numerator / denominator | |
| Filed ratio | 9.38% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.38 pp | $1.3M | 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 | 26,800 | 26,800 | 26,800 | 26,800 | 26,800 | 26,800 | RCOAP742 |
| Retained earnings | 7,700 | 6,960 | 6,657 | 6,723 | 5,886 | 4,977 | RCOAKW00 |
| Accumulated other comprehensive income | (4,769) | (4,656) | (4,217) | (4,485) | (5,275) | (5,864) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 29,731 | 29,104 | 29,240 | 29,038 | 27,411 | 25,913 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,785 | 2,672 | 2,233 | 2,480 | 3,266 | 3,852 | P859 - P840 |
| Common equity Tier 1 capital | 32,516 | 31,776 | 31,473 | 31,518 | 30,677 | 29,765 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 32,516 | 31,776 | 31,473 | 31,518 | 30,677 | 29,765 | 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 | 346,589 | 344,811 | 331,660 | 326,019 | 302,125 | 298,792 | 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 | 9.38% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.22% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.49% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.67% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.15% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.96% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.62% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.85% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.02% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.54% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.25% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.86% | 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 |
|---|---|---|---|---|---|---|
| Flatwater Bank (this bank) | CBLR | NA | NA | NA | 9.38% | |
| First National Bank | $367.8M | Risk-based | 18.69% | 18.69% | 19.96% | 10.98% |
| First National Bank of Griffin | $368.3M | Risk-based | 17.70% | 17.70% | 18.72% | 11.41% |
| American Bank | $366.6M | CBLR | NA | NA | NA | 10.08% |
| First Shore Federal Savings and Loan Association | $366.5M | Risk-based | 27.67% | 27.67% | 28.92% | 17.39% |
| The Bank of Romney | $368.8M | CBLR | NA | NA | NA | 15.97% |
| West Pointe Bank | $368.8M | CBLR | NA | NA | NA | 19.41% |
| First Bank Elk River | $369.2M | CBLR | NA | NA | NA | 10.68% |
| West View Savings Bank | $365.1M | CBLR | NA | NA | NA | 9.36% |
| Flatirons Bank | $370.3M | Risk-based | 12.87% | 12.87% | 14.12% | 8.88% |
| Peer 25th percentile | 16.49% | 16.49% | 17.57% | 10.08% | ||
| Peer median | 18.19% | 18.19% | 19.34% | 10.98% | ||
| Peer 75th percentile | 20.93% | 20.93% | 22.20% | 15.97% | ||
| This bank's percentile | NA | NA | NA | 22 |
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/493152/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.