The Harrison Building and Loan Association: 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 17.62% +8.62 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 | $49.4M | 49,448 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $280.6M | 280,590 | RCOAA224 |
| Recomputed ratio | 17.62% | numerator / denominator | |
| Filed ratio | 17.62% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +8.62 pp | $24.2M | 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 | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 49,448 | 48,513 | 47,997 | 47,329 | 46,698 | 46,118 | RCOAKW00 |
| Accumulated other comprehensive income | (6,223) | (7,429) | (6,698) | (8,289) | (10,297) | (9,848) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 43,225 | 41,084 | 41,299 | 39,040 | 36,401 | 36,270 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,223 | 7,429 | 6,698 | 8,289 | 10,297 | 9,848 | P859 - P840 |
| Common equity Tier 1 capital | 49,448 | 48,513 | 47,997 | 47,329 | 46,698 | 46,118 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 49,448 | 48,513 | 47,997 | 47,329 | 46,698 | 46,118 | 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 | 280,590 | 282,011 | 281,201 | 284,817 | 281,655 | 276,519 | 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 | 17.62% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 17.20% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 17.07% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 16.62% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 16.58% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 16.68% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 16.76% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 16.66% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 16.44% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 16.14% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 15.94% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 15.81% | 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 |
|---|---|---|---|---|---|---|
| The Harrison Building and Loan Association (this bank) | CBLR | NA | NA | NA | 17.62% | |
| The Bank of Deerfield | $268.3M | Risk-based | 12.95% | 12.95% | 14.20% | 10.49% |
| North Valley Bank | $268.6M | CBLR | NA | NA | NA | 13.52% |
| The First National Bank of Dennison, Ohio | $267.4M | CBLR | NA | NA | NA | 10.25% |
| The Wilmington Savings Bank | $267.3M | CBLR | NA | NA | NA | 14.61% |
| Westside State Bank | $268.7M | Risk-based | 12.29% | 12.29% | 13.32% | 8.82% |
| Patriots Bank | $268.8M | CBLR | NA | NA | NA | 9.20% |
| Pillar Bank | $267.0M | CBLR | NA | NA | NA | 9.99% |
| American Bank & Trust Company | $267.0M | CBLR | NA | NA | NA | 11.71% |
| Riverside Bank of Dublin | $269.0M | CBLR | NA | NA | NA | 9.14% |
| Lamar Bank and Trust Company | $269.0M | CBLR | NA | NA | NA | 10.20% |
| Peer 25th percentile | 12.46% | 12.46% | 13.54% | 9.40% | ||
| Peer median | 12.62% | 12.62% | 13.76% | 10.23% | ||
| Peer 75th percentile | 12.78% | 12.78% | 13.98% | 11.41% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/653778/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.