Global 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 12.11% +3.11 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 | $36.3M | 36,319 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $299.9M | 299,949 | RCOAA224 |
| Recomputed ratio | 12.11% | numerator / denominator | |
| Filed ratio | 12.11% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.11 pp | $9.3M | 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 | 24,803 | 24,803 | 24,817 | 24,817 | 24,817 | 24,817 | RCOAP742 |
| Retained earnings | 11,516 | 11,712 | 11,551 | 11,581 | 11,191 | 10,400 | RCOAKW00 |
| Accumulated other comprehensive income | (398) | (311) | (201) | (229) | (309) | (314) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 35,921 | 36,204 | 36,167 | 36,169 | 35,699 | 34,903 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 398 | 311 | 201 | 229 | 309 | 314 | P859 - P840 |
| Common equity Tier 1 capital | 36,319 | 36,515 | 36,368 | 36,398 | 36,008 | 35,217 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 36,319 | 36,515 | 36,368 | 36,398 | 36,008 | 35,217 | 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 | 299,949 | 277,116 | 272,077 | 273,645 | 264,873 | 257,566 | 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 | 12.11% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 13.18% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 13.37% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.30% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.59% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.67% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 13.25% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 13.46% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 14.08% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 14.40% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 14.07% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 13.78% | 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 |
|---|---|---|---|---|---|---|
| Global Bank (this bank) | CBLR | NA | NA | NA | 12.11% | |
| Security Bank Midwest | $304.1M | CBLR | NA | NA | NA | 10.52% |
| Valley Bank of Commerce | $304.1M | Risk-based | 23.30% | 23.30% | 24.56% | 14.47% |
| The Claxton Bank | $304.8M | Risk-based | 15.39% | 15.39% | 16.65% | 12.60% |
| Savings Bank | $304.8M | CBLR | NA | NA | NA | 13.60% |
| Holcomb Bank | $304.8M | Risk-based | 11.58% | 11.58% | 12.83% | 8.84% |
| Citizens Guaranty Bank | $303.6M | Risk-based | 11.22% | 11.22% | 12.47% | 8.65% |
| Valuebank Texas | $303.6M | CBLR | NA | NA | NA | 12.54% |
| Community Bank & Trust Company | $303.5M | Risk-based | 12.45% | 12.45% | 13.70% | 8.28% |
| Tompkins State Bank | $303.5M | Risk-based | 14.96% | 14.96% | 15.74% | 9.82% |
| First Heritage Bank | $303.4M | CBLR | NA | NA | NA | 9.05% |
| Peer 25th percentile | 11.79% | 11.79% | 13.04% | 8.89% | ||
| Peer median | 13.70% | 13.70% | 14.72% | 10.17% | ||
| Peer 75th percentile | 15.29% | 15.29% | 16.42% | 12.59% | ||
| 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/3561771/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.