Glennville Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 15.00% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 15.00% (RCOAH311).
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.
Common equity Tier 1 ratio 21.74% +15.24 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $49.2M | 49,246 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $226.5M | 226,507 | RCOAA223 |
| Recomputed ratio | 21.74% | numerator / denominator | |
| Filed ratio | 21.74% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +15.24 pp | $34.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 21.74% +13.74 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $49.2M | 49,246 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $226.5M | 226,507 | RCOAA223 |
| Recomputed ratio | 21.74% | numerator / denominator | |
| Filed ratio | 21.74% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +13.74 pp | $31.1M | capital that could be lost first |
Total risk-based capital ratio 23.00% +13.00 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $52.1M | 52,103 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $226.5M | 226,507 | RCOAA223 |
| Recomputed ratio | 23.00% | numerator / denominator | |
| Filed ratio | 23.00% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +13.00 pp | $29.5M | capital that could be lost first |
Tier 1 leverage ratio 11.02% +6.02 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $49.2M | 49,246 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $446.8M | 446,835 | RCOAA224 |
| Recomputed ratio | 11.02% | numerator / denominator | |
| Filed ratio | 11.02% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.02 pp | $26.9M | 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 | 9,000 | 9,000 | 9,000 | 9,000 | 9,000 | 9,000 | RCOAP742 |
| Retained earnings | 40,941 | 39,177 | 37,552 | 38,752 | 37,199 | 35,580 | RCOAKW00 |
| Accumulated other comprehensive income | (5,906) | (5,888) | (5,291) | (5,996) | (7,875) | (7,558) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 44,035 | 42,289 | 41,261 | 41,756 | 38,324 | 37,022 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,211 | 5,193 | 4,596 | 5,301 | 7,180 | 6,863 | P859 - P840 |
| Common equity Tier 1 capital | 49,246 | 47,482 | 45,857 | 47,057 | 45,504 | 43,885 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 49,246 | 47,482 | 45,857 | 47,057 | 45,504 | 43,885 | RCOA8274 |
| Tier 2 capital | 2,857 | 2,924 | 2,896 | 2,881 | 2,858 | 2,829 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,857 | 2,924 | 2,896 | 2,881 | 2,858 | 2,829 | RCOA5310 |
| Total capital | 52,103 | 50,406 | 48,753 | 49,938 | 48,362 | 46,714 | RCOA3792 |
| Total risk-weighted assets | 226,507 | 231,892 | 229,610 | 228,925 | 227,054 | 224,684 | RCOAA223 |
| Average total assets for the leverage ratio | 446,835 | 431,927 | 427,576 | 429,116 | 416,919 | 407,190 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $86.3M | $2.3M | 2.63% | 0.99% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $123.8M | $34.2M | 27.62% | 14.96% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $16.4M | $3.3M | 20.00% | 1.43% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $101.3M | $53.8M | 53.16% | 23.55% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $546K | $819K | 150.00% | 0.36% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $108.4M | $108.4M | 100.00% | 47.41% | RC-R Part II, item 4.d, 5.d |
| All other assets | $17.5M | $17.2M | 98.30% | 7.51% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $6.8M | $6.8M | 100.00% | 2.98% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1.9M | NA | 0.81% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $226.8M | ties to item 31 ($226.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $228.6M | RCONB704 |
| Less: excess allowance for credit losses | $2.1M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $226.5M | RCONG641, ties |
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 | Risk-based | 21.74% | 21.74% | 23.00% | 11.02% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 20.48% | 20.48% | 21.74% | 10.99% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 19.97% | 19.97% | 21.23% | 10.72% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 20.56% | 20.56% | 21.81% | 10.97% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 20.04% | 20.04% | 21.30% | 10.91% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 19.53% | 19.53% | 20.79% | 10.78% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 18.71% | 18.71% | 19.97% | 10.67% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 19.05% | 19.05% | 20.30% | 11.44% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 18.85% | 18.85% | 20.11% | 11.20% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 18.27% | 18.27% | 19.52% | 10.88% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 18.04% | 18.04% | 19.29% | 10.53% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 18.94% | 18.94% | 20.19% | 10.78% | 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 |
|---|---|---|---|---|---|---|
| Glennville Bank (this bank) | Risk-based | 21.74% | 21.74% | 23.00% | 11.02% | |
| First Jackson Bank | $444.3M | CBLR | NA | NA | NA | 14.78% |
| The City National Bank of Metropolis | $444.4M | Risk-based | 24.06% | 24.06% | 25.17% | 13.78% |
| Noblebank & Trust | $444.0M | CBLR | NA | NA | NA | 11.32% |
| James Polk Stone Community Bank | $443.8M | CBLR | NA | NA | NA | 9.98% |
| West Texas State Bank | $443.7M | CBLR | NA | NA | NA | 10.49% |
| National Grand Bank of Marblehead | $444.8M | CBLR | NA | NA | NA | 10.31% |
| Community Bank Delaware | $443.6M | Risk-based | 11.88% | 11.88% | 12.98% | 8.58% |
| Community Bank and Trust | $445.1M | Risk-based | 27.64% | 27.64% | 28.89% | 8.37% |
| Riverhills Bank | $445.2M | CBLR | NA | NA | NA | 12.54% |
| Grand Ridge National Bank | $443.3M | CBLR | NA | NA | NA | 13.77% |
| Peer 25th percentile | 17.97% | 17.97% | 19.07% | 10.06% | ||
| Peer median | 24.06% | 24.06% | 25.17% | 10.90% | ||
| Peer 75th percentile | 25.85% | 25.85% | 27.03% | 13.46% | ||
| This bank's percentile | 33 | 33 | 33 | 50 |
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/439132/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.