FNB Oxford 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 11.87% +2.87 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 | $110.4M | 110,416 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $930.2M | 930,183 | RCOAA224 |
| Recomputed ratio | 11.87% | numerator / denominator | |
| Filed ratio | 11.87% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.87 pp | $26.7M | 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 | 44,358 | 44,357 | 44,357 | 44,133 | 44,133 | 44,133 | RCOAP742 |
| Retained earnings | 66,058 | 64,118 | 62,338 | 60,338 | 58,655 | 57,018 | RCOAKW00 |
| Accumulated other comprehensive income | (5,009) | (5,442) | (4,068) | (5,264) | (7,113) | (7,313) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 105,407 | 103,033 | 102,627 | 99,207 | 95,675 | 93,838 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,009 | 5,442 | 4,068 | 5,264 | 7,113 | 7,313 | P859 - P840 |
| Common equity Tier 1 capital | 110,416 | 108,475 | 106,695 | 104,471 | 102,788 | 101,151 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 110,416 | 108,475 | 106,695 | 104,471 | 102,788 | 101,151 | 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 | 930,183 | 941,093 | 878,172 | 857,300 | 856,909 | 854,541 | 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 | 11.87% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.53% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.15% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.19% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.00% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.84% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.37% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.26% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.86% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.88% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.72% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.50% | 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 |
|---|---|---|---|---|---|---|
| FNB Oxford Bank (this bank) | CBLR | NA | NA | NA | 11.87% | |
| Bank of Botetourt | $939.4M | CBLR | NA | NA | NA | 11.00% |
| United Prairie Bank | $939.3M | CBLR | NA | NA | NA | 9.68% |
| Security Bank | $939.0M | Risk-based | 13.34% | 13.34% | 14.60% | 11.84% |
| Atlantic Community Bankers Bank | $942.0M | Risk-based | 20.38% | 20.38% | 21.70% | 15.76% |
| New Peoples Bank, Inc. | $942.5M | Risk-based | 15.48% | 15.48% | 16.73% | 11.17% |
| Pinnacle Bank | $937.0M | Risk-based | 16.45% | 16.45% | 17.54% | 11.88% |
| The Farmers Bank | $942.8M | Risk-based | 20.50% | 20.50% | 21.66% | 15.09% |
| Texas Heritage National Bank | $936.4M | Risk-based | 11.14% | 11.14% | 12.35% | 10.17% |
| First Community Bank of Tennessee | $943.8M | Risk-based | 14.78% | 14.78% | 15.37% | 10.32% |
| First Commerce Bank | $935.1M | CBLR | NA | NA | NA | 10.21% |
| Peer 25th percentile | 14.06% | 14.06% | 14.98% | 10.24% | ||
| Peer median | 15.48% | 15.48% | 16.73% | 11.08% | ||
| Peer 75th percentile | 18.41% | 18.41% | 19.60% | 11.87% | ||
| This bank's percentile | NA | NA | NA | 70 |
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/590640/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.