Gold Coast Bank: Regulatory Capital and Risk-Weighted Assets
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As of 1Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 1Q26
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 14.86% +5.86 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 | $68.5M | 68,486 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $460.9M | 460,929 | RCOAA224 |
| Recomputed ratio | 14.86% | numerator / denominator | |
| Filed ratio | 14.86% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +5.86 pp | $27.0M | 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 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 16,971 | 16,965 | 16,959 | 16,953 | 16,948 | RCOAP742 |
| Retained earnings | 51,515 | 50,089 | 48,639 | 46,956 | 45,334 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 68,486 | 67,054 | 65,598 | 63,909 | 62,282 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 68,486 | 67,054 | 65,598 | 63,909 | 62,282 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 68,486 | 67,054 | 65,598 | 63,909 | 62,282 | RCOA8274 |
| Tier 2 capital | — | — | — | — | — | |
| Allowance includable in Tier 2 capital | — | — | — | — | — | |
| Total capital | — | — | — | — | — | |
| Average total assets for the leverage ratio | 460,929 | 455,246 | 454,583 | 450,291 | 455,978 | 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 |
|---|---|---|---|---|---|---|---|---|---|
| 1Q26 | CBLR | — | — | — | 14.86% | 14.93% | 14.97% | 16.07% | 10.85% |
| 4Q25 | CBLR | — | — | — | 14.73% | 14.84% | 14.89% | 15.96% | 10.79% |
| 3Q25 | CBLR | — | — | — | 14.43% | 14.80% | 14.82% | 15.95% | 10.87% |
| 2Q25 | CBLR | — | — | — | 14.19% | 14.72% | 14.75% | 15.90% | 10.79% |
| 1Q25 | CBLR | — | — | — | 13.66% | 14.75% | 14.78% | 15.92% | 10.69% |
| 4Q24 | CBLR | — | — | — | 13.23% | 14.62% | 14.67% | 15.71% | 10.60% |
| 3Q24 | CBLR | — | — | — | 13.07% | 14.65% | 14.65% | 15.77% | 10.69% |
| 2Q24 | CBLR | — | — | — | 12.84% | 14.52% | 14.54% | 15.66% | 10.59% |
| 1Q24 | CBLR | — | — | — | 12.14% | 14.54% | 14.58% | 15.68% | 10.53% |
| 4Q23 | CBLR | — | — | — | 12.15% | 14.40% | 14.42% | 15.55% | 10.54% |
| 3Q23 | CBLR | — | — | — | 12.89% | 14.62% | 14.64% | 15.73% | 10.58% |
| 2Q23 | CBLR | — | — | — | 12.17% | 14.60% | 14.62% | 15.75% | 10.48% |
A dash 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, 1Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Gold Coast Bank (this bank) | CBLR | — | — | — | 14.86% | |
| Local Bank | $463.1M | Risk-based | 13.79% | 13.79% | 14.41% | 11.48% |
| Alden State Bank | $463.1M | Risk-based | 22.94% | 22.94% | 24.18% | 15.24% |
| Robertson Banking Company | $462.7M | Risk-based | 14.44% | 14.44% | 15.69% | 10.88% |
| The Commercial Bank | $463.7M | CBLR | — | — | — | 10.34% |
| The Bank | $462.0M | CBLR | — | — | — | 13.08% |
| Northeast Security Bank | $461.9M | Risk-based | 14.95% | 14.95% | 16.20% | 10.68% |
| Sterling State Bank | $461.9M | Risk-based | 12.52% | 12.52% | 13.69% | 8.53% |
| Security Federal Savings Bank | $464.4M | CBLR | — | — | — | 9.81% |
| The Missouri Bank | $461.5M | CBLR | — | — | — | 12.28% |
| Farmers Savings Bank | $461.2M | Risk-based | 18.22% | 18.22% | 19.26% | 10.91% |
| Peer 25th percentile | 13.95% | 13.95% | 14.73% | 10.42% | ||
| Peer median | 14.69% | 14.69% | 15.95% | 10.90% | ||
| Peer 75th percentile | 17.40% | 17.40% | 18.49% | 12.08% | ||
| This bank's percentile | — | — | — | 90 |
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/3593307/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.