Fredonia Valley 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 11.49% +2.49 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 | $13.8M | 13,783 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $119.9M | 119,945 | RCOAA224 |
| Recomputed ratio | 11.49% | numerator / denominator | |
| Filed ratio | 11.49% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.49 pp | $3.0M | 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 | 1,300 | 1,300 | 1,300 | 1,300 | 1,300 | 1,300 | RCOAP742 |
| Retained earnings | 12,483 | 12,638 | 12,576 | 12,511 | 12,214 | 12,024 | RCOAKW00 |
| Accumulated other comprehensive income | (2,484) | (2,530) | (2,367) | (2,498) | (2,901) | (3,054) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 11,299 | 11,408 | 11,509 | 11,313 | 10,613 | 10,270 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,484 | 2,530 | 2,367 | 2,498 | 2,901 | 3,054 | P859 - P840 |
| Common equity Tier 1 capital | 13,783 | 13,938 | 13,876 | 13,811 | 13,514 | 13,324 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 13,783 | 13,938 | 13,876 | 13,811 | 13,514 | 13,324 | 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 | 119,945 | 118,505 | 116,442 | 113,164 | 106,714 | 106,904 | 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 | 11.49% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.76% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 11.92% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.20% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.66% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 12.46% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 13.05% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 13.52% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 13.86% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 13.67% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 13.99% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 14.02% | 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 |
|---|---|---|---|---|---|---|
| Fredonia Valley Bank (this bank) | CBLR | NA | NA | NA | 11.49% | |
| First Community Bank of Moultrie County | $119.7M | Risk-based | 19.07% | 19.07% | 20.32% | 9.13% |
| The Hamilton Bank | $119.8M | Risk-based | 17.21% | 17.21% | 17.63% | 9.29% |
| Farmers & Merchants Bank of North Dakota | $119.8M | CBLR | NA | NA | NA | 10.99% |
| Community Savings Bank | $119.6M | CBLR | NA | NA | NA | 14.76% |
| Lone Oak Bank, N.A. | $119.6M | CBLR | NA | NA | NA | 15.26% |
| Peoples Bank Mt Washington | $120.0M | Risk-based | 12.93% | 12.93% | 14.15% | 10.59% |
| Centrebank | $120.0M | CBLR | NA | NA | NA | 17.16% |
| Global Innovations Bank | $120.1M | Risk-based | 11.57% | 11.57% | 12.48% | 8.47% |
| United Bank & Trust Co. | $120.1M | Risk-based | 16.47% | 16.47% | 17.70% | 10.46% |
| The First National Bank of Williamson | $120.3M | CBLR | NA | NA | NA | 20.13% |
| Peer 25th percentile | 12.93% | 12.93% | 14.15% | 9.59% | ||
| Peer median | 16.47% | 16.47% | 17.63% | 10.79% | ||
| Peer 75th percentile | 17.21% | 17.21% | 17.70% | 15.14% | ||
| This bank's percentile | NA | NA | NA | 60 |
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/502447/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.