Founders 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 14.18% +5.18 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 | $55.8M | 55,823 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $393.7M | 393,746 | RCOAA224 |
| Recomputed ratio | 14.18% | numerator / denominator | |
| Filed ratio | 14.18% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +5.18 pp | $20.4M | 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 | 56,719 | 56,550 | 56,407 | 56,269 | 56,037 | 55,896 | RCOAP742 |
| Retained earnings | (896) | (1,470) | (1,930) | (2,853) | (3,392) | (3,813) | RCOAKW00 |
| Accumulated other comprehensive income | (1,187) | (988) | (872) | (1,009) | (1,039) | (1,067) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 54,636 | 54,092 | 53,605 | 52,407 | 51,606 | 51,016 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,187 | 988 | 872 | 1,009 | 1,039 | 1,067 | P859 - P840 |
| Common equity Tier 1 capital | 55,823 | 55,080 | 54,477 | 53,416 | 52,645 | 52,083 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 55,823 | 55,080 | 54,477 | 53,416 | 52,645 | 52,083 | 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 | 393,746 | 377,125 | 384,932 | 380,116 | 374,802 | 355,015 | 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 | 14.18% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 14.61% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 14.15% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 14.05% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 14.05% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 14.67% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 15.01% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 15.35% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 16.21% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 17.57% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 17.49% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 18.09% | 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 |
|---|---|---|---|---|---|---|
| Founders Bank (this bank) | CBLR | NA | NA | NA | 14.18% | |
| First Trust Bank of Illinois | $406.3M | Risk-based | 15.16% | 15.16% | 15.80% | 10.26% |
| Bank of the Bluegrass and Trust Co. | $407.0M | CBLR | NA | NA | NA | 10.80% |
| Highlands Bank, Inc. | $407.1M | CBLR | NA | NA | NA | 11.00% |
| Anchor D Bank | $404.5M | Risk-based | 12.02% | 12.02% | 12.97% | 10.53% |
| Forte Bank | $404.5M | Risk-based | 12.96% | 12.96% | 14.10% | 10.56% |
| First National Bank of Elmer | $407.8M | Risk-based | 13.55% | 13.55% | 14.80% | 10.00% |
| Southern Bank | $407.9M | CBLR | NA | NA | NA | 8.18% |
| Winter Hill Bank, FSB | $407.9M | Risk-based | 16.87% | 16.87% | 17.63% | 10.04% |
| Pike National Bank | $408.8M | CBLR | NA | NA | NA | 11.73% |
| Homebank Texas | $403.0M | Risk-based | 15.19% | 15.19% | 16.37% | 11.59% |
| Peer 25th percentile | 13.11% | 13.11% | 14.27% | 10.10% | ||
| Peer median | 14.36% | 14.36% | 15.30% | 10.55% | ||
| Peer 75th percentile | 15.18% | 15.18% | 16.22% | 10.95% | ||
| 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/5398355/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.