Franklin Savings 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 9.75% +0.75 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 | $90.3M | 90,281 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $925.6M | 925,573 | RCOAA224 |
| Recomputed ratio | 9.75% | numerator / denominator | |
| Filed ratio | 9.75% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.75 pp | $7.0M | 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 | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 91,261 | 88,853 | 86,230 | 84,253 | 82,220 | 80,628 | RCOAKW00 |
| Accumulated other comprehensive income | (8,986) | (8,934) | (8,454) | (8,905) | (11,540) | (11,702) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 82,275 | 79,919 | 77,776 | 75,348 | 70,680 | 68,926 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 8,006 | 7,954 | 7,474 | 7,925 | 10,560 | 10,722 | P859 - P840 |
| Common equity Tier 1 capital | 90,281 | 87,873 | 85,250 | 83,273 | 81,240 | 79,648 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 90,281 | 87,873 | 85,250 | 83,273 | 81,240 | 79,648 | RCOA8274 |
| Tier 2 capital | NA | 6,630 | 6,522 | 6,369 | 6,171 | 5,932 | |
| Allowance includable in Tier 2 capital | NA | 6,630 | 6,522 | 6,369 | 6,171 | 5,932 | |
| Total capital | NA | 94,503 | 91,772 | 89,642 | 87,411 | 85,580 | |
| Total risk-weighted assets | NA | 700,202 | 709,968 | 692,564 | 667,552 | 632,847 | |
| Average total assets for the leverage ratio | 925,573 | 922,083 | 912,854 | 899,172 | 887,033 | 846,490 | 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 | 9.75% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.55% | 12.55% | 13.50% | 9.53% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.01% | 12.01% | 12.93% | 9.34% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.02% | 12.02% | 12.94% | 9.26% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.17% | 12.17% | 13.09% | 9.16% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.59% | 12.59% | 13.52% | 9.41% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.18% | 13.18% | 14.15% | 9.48% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.60% | 13.60% | 14.55% | 9.41% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.67% | 13.67% | 14.62% | 9.48% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.68% | 13.68% | 14.63% | 9.47% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.64% | 13.64% | 14.59% | 9.43% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.65% | 13.65% | 14.64% | 9.30% | 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 |
|---|---|---|---|---|---|---|
| Franklin Savings Bank (this bank) | CBLR | NA | NA | NA | 9.75% | |
| Vermillion State Bank | $931.4M | CBLR | NA | NA | NA | 13.40% |
| Oxford Bank | $930.5M | Risk-based | 13.19% | 13.19% | 14.39% | 11.93% |
| Greenfield Banking Company | $930.5M | CBLR | NA | NA | NA | 13.92% |
| First National Bank of Waterloo | $929.3M | Risk-based | 12.88% | 12.88% | 14.13% | 9.21% |
| Bank of Eastern Oregon | $933.6M | CBLR | NA | NA | NA | 11.59% |
| West Alabama Bank & Trust | $929.0M | CBLR | NA | NA | NA | 12.22% |
| Passumpsic Savings Bank | $934.5M | Risk-based | 19.67% | 19.67% | 20.84% | 13.06% |
| Newfirst National Bank | $934.9M | CBLR | NA | NA | NA | 12.47% |
| American Plus Bank, N.A. | $935.0M | CBLR | NA | NA | NA | 16.46% |
| First Commerce Bank | $935.1M | CBLR | NA | NA | NA | 10.21% |
| Peer 25th percentile | 13.03% | 13.03% | 14.26% | 11.68% | ||
| Peer median | 13.19% | 13.19% | 14.39% | 12.34% | ||
| Peer 75th percentile | 16.43% | 16.43% | 17.62% | 13.32% | ||
| This bank's percentile | NA | NA | NA | 10 |
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/491402/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.