Glenwood State Bank (Incorporated): Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.39% (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: 5.39% (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 12.14% +5.64 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 | $56.3M | 56,333 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $464.0M | 463,963 | RCOAA223 |
| Recomputed ratio | 12.14% | numerator / denominator | |
| Filed ratio | 12.14% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.64 pp | $26.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.14% +4.14 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 | $56.3M | 56,333 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $464.0M | 463,963 | RCOAA223 |
| Recomputed ratio | 12.14% | numerator / denominator | |
| Filed ratio | 12.14% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.14 pp | $19.2M | capital that could be lost first |
Total risk-based capital ratio 13.39% +3.39 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 | $62.1M | 62,134 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $464.0M | 463,963 | RCOAA223 |
| Recomputed ratio | 13.39% | numerator / denominator | |
| Filed ratio | 13.39% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.39 pp | $15.7M | capital that could be lost first |
Tier 1 leverage ratio 10.28% +5.28 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 | $56.3M | 56,333 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $547.8M | 547,773 | RCOAA224 |
| Recomputed ratio | 10.28% | numerator / denominator | |
| Filed ratio | 10.28% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.28 pp | $28.9M | 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 | 40,000 | 35,000 | 35,000 | 30,000 | 28,000 | 28,000 | RCOAP742 |
| Retained earnings | 16,333 | 21,520 | 19,722 | 22,499 | 23,351 | 22,516 | RCOAKW00 |
| Accumulated other comprehensive income | (167) | (193) | (190) | (231) | (273) | (336) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 56,166 | 56,327 | 54,532 | 52,268 | 51,078 | 50,180 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 167 | 193 | 190 | 231 | 273 | 336 | P859 - P840 |
| Common equity Tier 1 capital | 56,333 | 56,520 | 54,722 | 52,499 | 51,351 | 50,516 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 56,333 | 56,520 | 54,722 | 52,499 | 51,351 | 50,516 | RCOA8274 |
| Tier 2 capital | 5,801 | 5,832 | 5,903 | 5,817 | 5,758 | 5,799 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,801 | 5,832 | 5,903 | 5,817 | 5,758 | 5,799 | RCOA5310 |
| Total capital | 62,134 | 62,352 | 60,625 | 58,316 | 57,109 | 56,315 | RCOA3792 |
| Total risk-weighted assets | 463,963 | 466,471 | 500,440 | 480,541 | 485,200 | 488,087 | RCOAA223 |
| Average total assets for the leverage ratio | 547,773 | 546,822 | 561,407 | 544,352 | 540,386 | 546,999 | 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 | $37.3M | $354K | 0.95% | 0.08% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $3.3M | $376K | 11.32% | 0.08% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $2.4M | $485K | 20.00% | 0.10% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $163.6M | $91.6M | 56.00% | 19.74% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $9.1M | $13.7M | 150.00% | 2.95% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $317.3M | $314.9M | 99.25% | 67.86% | RC-R Part II, item 4.d, 5.d |
| All other assets | $17.3M | $15.1M | 87.14% | 3.25% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $1.5M | $18.6M | 1250.00% | 4.00% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $5.5M | $5.5M | 100.00% | 1.19% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $3.5M | NA | 0.75% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $460.7M | does not tie to item 31 ($464.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $464.1M | RCONB704 |
| Less: excess allowance for credit losses | $167K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $464.0M | 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 | 12.14% | 12.14% | 13.39% | 10.28% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.12% | 12.12% | 13.37% | 10.34% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.93% | 10.93% | 12.11% | 9.75% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.93% | 10.93% | 12.14% | 9.64% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.58% | 10.58% | 11.77% | 9.50% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 10.35% | 10.35% | 11.54% | 9.24% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.19% | 10.19% | 11.38% | 8.98% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 9.65% | 9.65% | 10.65% | 8.90% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.23% | 10.23% | 11.45% | 8.80% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 9.73% | 9.73% | 10.91% | 8.71% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 9.16% | 9.16% | 10.28% | 8.49% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 9.20% | 9.20% | 10.32% | 8.57% | 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 |
|---|---|---|---|---|---|---|
| Glenwood State Bank (Incorporated) (this bank) | Risk-based | 12.14% | 12.14% | 13.39% | 10.28% | |
| Milford Federal Bank | $545.1M | CBLR | NA | NA | NA | 11.94% |
| Lisle Savings Bank | $544.5M | CBLR | NA | NA | NA | 26.10% |
| Bank of the Flint Hills | $544.5M | Risk-based | 10.03% | 10.03% | 11.22% | 8.65% |
| Labette Bank | $544.4M | CBLR | NA | NA | NA | 13.06% |
| Magnolia Bank, Inc | $546.3M | CBLR | NA | NA | NA | 10.96% |
| The Friendship State Bank | $543.8M | Risk-based | 15.47% | 15.47% | 16.62% | 8.79% |
| Fidelity Bank | $546.8M | CBLR | NA | NA | NA | 13.07% |
| Bank of Texas | $543.6M | Risk-based | 15.09% | 15.09% | 16.33% | 13.01% |
| Eaton Community Bank | $543.5M | CBLR | NA | NA | NA | 12.89% |
| First State Bank and Trust Company | $547.4M | CBLR | NA | NA | NA | 14.00% |
| Peer 25th percentile | 12.56% | 12.56% | 13.77% | 11.21% | ||
| Peer median | 15.09% | 15.09% | 16.33% | 12.95% | ||
| Peer 75th percentile | 15.28% | 15.28% | 16.47% | 13.07% | ||
| This bank's percentile | 33 | 33 | 33 | 20 |
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/975854/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.