Grant County 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 13.34% +4.34 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 | $40.3M | 40,324 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $302.2M | 302,224 | RCOAA224 |
| Recomputed ratio | 13.34% | numerator / denominator | |
| Filed ratio | 13.34% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.34 pp | $13.1M | 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 | 2,400 | 2,400 | 2,400 | 2,400 | 2,400 | 2,400 | RCOAP742 |
| Retained earnings | 37,924 | 37,255 | 38,440 | 39,033 | 38,470 | 38,000 | RCOAKW00 |
| Accumulated other comprehensive income | (3,927) | (4,370) | (3,559) | (4,311) | (5,333) | (5,957) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 36,397 | 35,285 | 37,281 | 37,122 | 35,537 | 34,443 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,927 | 4,370 | 3,559 | 4,311 | 5,333 | 5,957 | P859 - P840 |
| Common equity Tier 1 capital | 40,324 | 39,655 | 40,840 | 41,433 | 40,870 | 40,400 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 40,324 | 39,655 | 40,840 | 41,433 | 40,870 | 40,400 | 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 | 302,224 | 312,694 | 308,512 | 303,223 | 308,786 | 305,080 | 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 | 13.34% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.68% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 13.24% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.66% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.24% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.24% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.97% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 13.57% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 13.47% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.97% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 13.36% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 13.65% | 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 |
|---|---|---|---|---|---|---|
| Grant County Bank (this bank) | CBLR | NA | NA | NA | 13.34% | |
| Minnesota National Bank | $298.4M | Risk-based | 11.55% | 11.55% | 12.61% | 9.77% |
| Leighton State Bank | $298.2M | CBLR | NA | NA | NA | 10.99% |
| Caldwell Bank & Trust Company | $298.6M | CBLR | NA | NA | NA | 10.03% |
| Redstone Bank | $298.2M | CBLR | NA | NA | NA | 11.98% |
| The First National Bank of Pandora | $299.0M | Risk-based | 11.16% | 11.16% | 12.38% | 8.07% |
| Bank of Crockett | $299.1M | Risk-based | 13.31% | 13.31% | 14.56% | 10.46% |
| Farmers Savings Bank | $299.1M | CBLR | NA | NA | NA | 10.99% |
| First Security Bank of Nevada | $297.7M | CBLR | NA | NA | NA | 26.27% |
| Durden Banking Company, Incorporated | $299.2M | Risk-based | 21.55% | 21.55% | 22.80% | 16.24% |
| Merchants and Farmers Bank | $297.6M | Risk-based | 12.33% | 12.33% | 13.58% | 10.74% |
| Peer 25th percentile | 11.55% | 11.55% | 12.61% | 10.14% | ||
| Peer median | 12.33% | 12.33% | 13.58% | 10.86% | ||
| Peer 75th percentile | 13.31% | 13.31% | 14.56% | 11.73% | ||
| This bank's percentile | NA | NA | NA | 80 |
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/207452/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.