Great American 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 10.97% +1.97 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 | $54.8M | 54,811 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $499.5M | 499,501 | RCOAA224 |
| Recomputed ratio | 10.97% | numerator / denominator | |
| Filed ratio | 10.97% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.97 pp | $9.9M | 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 | 34,315 | 34,315 | 34,315 | 34,315 | 34,315 | 34,315 | RCOAP742 |
| Retained earnings | 35,675 | 31,569 | 32,858 | 33,283 | 30,190 | 26,916 | RCOAKW00 |
| Accumulated other comprehensive income | (17) | (21) | (24) | (35) | (51) | (65) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 69,973 | 65,863 | 67,149 | 67,563 | 64,454 | 61,166 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (15,162) | (15,184) | (15,207) | (15,227) | (15,241) | (15,257) | P859 - P840 |
| Common equity Tier 1 capital | 54,811 | 50,679 | 51,942 | 52,336 | 49,213 | 45,909 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 54,811 | 50,679 | 51,942 | 52,336 | 49,213 | 45,909 | 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 | 499,501 | 481,765 | 492,512 | 497,873 | 483,836 | 477,361 | 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 | 10.97% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.52% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.55% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.51% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.17% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.62% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.87% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.11% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.65% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.26% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.50% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.44% | 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 |
|---|---|---|---|---|---|---|
| Great American Bank (this bank) | CBLR | NA | NA | NA | 10.97% | |
| Gulf Coast Bank | $513.7M | CBLR | NA | NA | NA | 14.75% |
| First State Bank | $512.7M | CBLR | NA | NA | NA | 10.53% |
| First Robinson Savings Bank, N.A. | $512.1M | Risk-based | 12.93% | 12.93% | 14.08% | 8.74% |
| State Bank Financial | $512.1M | Risk-based | 13.73% | 13.73% | 14.65% | 9.94% |
| First Pacific Bank | $514.4M | Risk-based | 11.75% | 11.75% | 12.61% | 9.25% |
| Rondout Savings Bank | $512.0M | Risk-based | 14.86% | 14.86% | 16.10% | 9.79% |
| The Callaway Bank | $511.5M | CBLR | NA | NA | NA | 10.12% |
| First State Bank and Trust | $514.9M | Risk-based | 12.11% | 12.11% | 13.36% | 8.64% |
| Citizens State Bank | $511.4M | Risk-based | 16.70% | 16.70% | 18.00% | 13.18% |
| Citizens Bank of Americus | $511.1M | Risk-based | 17.69% | 17.69% | 18.94% | 10.25% |
| Peer 25th percentile | 12.52% | 12.52% | 13.72% | 9.38% | ||
| Peer median | 13.73% | 13.73% | 14.65% | 10.03% | ||
| Peer 75th percentile | 15.78% | 15.78% | 17.05% | 10.46% | ||
| 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/2815879/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.