Gbank: 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 13.15% +4.15 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 | $187.9M | 187,859 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.43B | 1,428,512 | RCOAA224 |
| Recomputed ratio | 13.15% | numerator / denominator | |
| Filed ratio | 13.15% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.15 pp | $59.3M | 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 | 81,212 | 81,212 | 81,212 | 81,212 | 81,212 | 81,212 | RCOAP742 |
| Retained earnings | 106,647 | 99,775 | 97,520 | 89,639 | 84,391 | 78,533 | RCOAKW00 |
| Accumulated other comprehensive income | (1,940) | (1,059) | (17) | 206 | (1,205) | (1,009) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 185,919 | 179,928 | 178,715 | 171,057 | 164,398 | 158,736 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,940 | 1,059 | 17 | (206) | 1,205 | 1,009 | P859 - P840 |
| Common equity Tier 1 capital | 187,859 | 180,987 | 178,732 | 170,851 | 165,603 | 159,745 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 187,859 | 180,987 | 178,732 | 170,851 | 165,603 | 159,745 | 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 | 1,428,512 | 1,351,915 | 1,331,466 | 1,244,916 | 1,198,069 | 1,122,269 | 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 | 13.15% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 13.39% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 13.42% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 13.72% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 13.82% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 14.23% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 12.90% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 13.08% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 12.88% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 13.03% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 14.06% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 16.18% | 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 |
|---|---|---|---|---|---|---|
| Gbank (this bank) | CBLR | NA | NA | NA | 13.15% | |
| Peoples Bank of Alabama | $1.42B | Risk-based | 15.73% | 15.73% | 16.98% | 11.19% |
| Rio Bank | $1.42B | Risk-based | 13.75% | 13.75% | 14.87% | 10.03% |
| Citizens Bank | $1.42B | Risk-based | 14.20% | 14.20% | 15.01% | 12.65% |
| Armed Forces Bank, N.A. | $1.42B | Risk-based | 24.61% | 24.61% | 25.86% | 13.92% |
| Relyance Bank | $1.43B | Risk-based | 14.69% | 14.69% | 15.77% | 13.27% |
| First Federal Savings Bank of Twin Falls | $1.42B | Risk-based | 13.30% | 13.30% | 14.26% | 10.43% |
| Washington Financial Bank | $1.44B | CBLR | NA | NA | NA | 14.75% |
| The Bennington State Bank | $1.42B | Risk-based | 13.85% | 13.85% | 15.11% | 9.51% |
| Peer 25th percentile | 13.80% | 13.80% | 14.94% | 10.33% | ||
| Peer median | 14.20% | 14.20% | 15.11% | 11.92% | ||
| Peer 75th percentile | 15.21% | 15.21% | 16.38% | 13.43% | ||
| This bank's percentile | NA | NA | NA | 62 |
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/3636446/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.