Foresight 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 11.27% +2.27 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 | $193.2M | 193,157 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.71B | 1,713,920 | RCOAA224 |
| Recomputed ratio | 11.27% | numerator / denominator | |
| Filed ratio | 11.27% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.27 pp | $38.9M | 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 | 51,699 | 51,699 | 51,700 | 52,124 | 43,553 | 3,558 | RCOAP742 |
| Retained earnings | 141,458 | 137,897 | 134,990 | 132,271 | 130,402 | 29,888 | RCOAKW00 |
| Accumulated other comprehensive income | (23,262) | (21,755) | (21,449) | (22,992) | (29,031) | (3,969) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 169,895 | 167,841 | 165,241 | 161,403 | 144,924 | 29,477 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 23,262 | 21,755 | 21,449 | 22,992 | 29,031 | 3,969 | P859 - P840 |
| Common equity Tier 1 capital | 193,157 | 189,596 | 186,690 | 184,395 | 173,955 | 33,446 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 193,157 | 189,596 | 186,690 | 184,395 | 173,955 | 33,446 | RCOA8274 |
| Tier 2 capital | NA | NA | 13,299 | 12,932 | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | 13,299 | 12,932 | NA | NA | |
| Total capital | NA | NA | 199,989 | 197,327 | NA | NA | |
| Total risk-weighted assets | NA | NA | 1,384,559 | 1,357,405 | NA | NA | |
| Average total assets for the leverage ratio | 1,713,920 | 1,684,310 | 1,693,868 | 1,630,162 | 1,638,680 | 338,612 | 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 | 11.27% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 11.26% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.48% | 13.48% | 14.44% | 11.02% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.58% | 13.58% | 14.54% | 11.31% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 10.62% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 9.88% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 9.65% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 9.61% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 9.49% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 9.45% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 9.37% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 8.89% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Foresight Bank (this bank) | CBLR | NA | NA | NA | 11.27% | |
| Lincoln Savings Bank | $1.71B | Risk-based | 11.79% | 11.79% | 13.04% | 9.12% |
| CBI Bank & Trust | $1.70B | Risk-based | 13.00% | 13.00% | 14.18% | 10.23% |
| The Adirondack Trust Company | $1.70B | Risk-based | 16.98% | 16.99% | 18.25% | 10.49% |
| Servbank, N.A. | $1.70B | CBLR | NA | NA | NA | 11.81% |
| Security Bank and Trust Company | $1.70B | Risk-based | 14.09% | 14.09% | 14.34% | 10.92% |
| Chesapeake Bank | $1.72B | Risk-based | 14.25% | 14.25% | 15.15% | 11.18% |
| The Security National Bank of Sioux City, Iowa | $1.69B | CBLR | NA | NA | NA | 12.79% |
| Availa Bank | $1.73B | Risk-based | 12.55% | 12.55% | 13.66% | 9.33% |
| Ives Bank | $1.73B | CBLR | NA | NA | NA | 13.87% |
| Commercial Bank of Texas, N.A. | $1.69B | Risk-based | 15.44% | 15.44% | 16.69% | 10.60% |
| Peer 25th percentile | 12.77% | 12.77% | 13.92% | 10.29% | ||
| Peer median | 14.09% | 14.09% | 14.34% | 10.76% | ||
| Peer 75th percentile | 14.84% | 14.84% | 15.92% | 11.66% | ||
| 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/556936/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.