FNB Picayune 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 15.44% +6.44 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 | $43.5M | 43,518 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $281.8M | 281,843 | RCOAA224 |
| Recomputed ratio | 15.44% | numerator / denominator | |
| Filed ratio | 15.44% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +6.44 pp | $18.2M | 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 | 5,698 | 5,698 | 5,698 | 5,698 | 5,698 | 5,698 | RCOAP742 |
| Retained earnings | 37,820 | 38,249 | 38,432 | 36,251 | 35,505 | 35,892 | RCOAKW00 |
| Accumulated other comprehensive income | (3,498) | (3,882) | (3,520) | (4,002) | (4,901) | (5,631) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 40,020 | 40,065 | 40,610 | 37,947 | 36,302 | 35,959 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,498 | 3,882 | 3,520 | 4,002 | 4,901 | 5,631 | P859 - P840 |
| Common equity Tier 1 capital | 43,518 | 43,947 | 44,130 | 41,949 | 41,203 | 41,590 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 43,518 | 43,947 | 44,130 | 41,949 | 41,203 | 41,590 | 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 | 281,843 | 278,217 | 281,699 | 280,358 | 284,032 | 278,297 | 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 | 15.44% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 15.80% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 15.67% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 14.96% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 14.51% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 14.94% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 14.65% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 14.40% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 14.49% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 14.92% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 15.50% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 14.84% | 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 Picayune Bank (this bank) | CBLR | NA | NA | NA | 15.44% | |
| HNB First Bank | $282.4M | CBLR | NA | NA | NA | 9.53% |
| First Federal Savings Bank of Kentucky | $282.6M | CBLR | NA | NA | NA | 10.48% |
| Farmers Bank | $282.7M | Risk-based | 19.28% | 19.28% | 20.53% | 11.00% |
| Unity Bank of Mississippi | $281.8M | CBLR | NA | NA | NA | 11.04% |
| The Pennsville National Bank | $281.8M | CBLR | NA | NA | NA | 10.23% |
| Pioneer Bank | $282.8M | CBLR | NA | NA | NA | 10.56% |
| First Federal Bank of Ohio | $282.9M | Risk-based | 32.76% | 32.76% | 33.24% | 13.68% |
| Commercial Bank | $282.9M | Risk-based | 10.86% | 10.86% | 11.95% | 7.93% |
| Sonata Bank | $281.5M | Risk-based | 11.58% | 11.58% | 12.57% | 10.12% |
| Fairfield Federal Savings and Loan Association of Lancaster | $281.5M | CBLR | NA | NA | NA | 11.82% |
| Peer 25th percentile | 11.40% | 11.40% | 12.42% | 10.14% | ||
| Peer median | 15.43% | 15.43% | 16.55% | 10.52% | ||
| Peer 75th percentile | 22.65% | 22.65% | 23.71% | 11.03% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/568939/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.