The Harrison 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 10.21% +1.21 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 | $17.1M | 17,071 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $167.2M | 167,186 | RCOAA224 |
| Recomputed ratio | 10.21% | numerator / denominator | |
| Filed ratio | 10.21% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.21 pp | $2.0M | 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 | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,060 | 1,060 | 1,060 | 1,060 | 1,060 | 1,060 | RCOAP742 |
| Retained earnings | 16,011 | 15,980 | 15,695 | 15,509 | 15,163 | 15,149 | RCOAKW00 |
| Accumulated other comprehensive income | (3,116) | (2,898) | (2,897) | (3,119) | (4,179) | (4,033) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 13,955 | 14,142 | 13,858 | 13,450 | 12,044 | 12,176 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,116 | 2,897 | 2,897 | 3,120 | 4,179 | 4,033 | P859 - P840 |
| Common equity Tier 1 capital | 17,071 | 17,039 | 16,755 | 16,570 | 16,223 | 16,209 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 17,071 | 17,039 | 16,755 | 16,570 | 16,223 | 16,209 | 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 | 167,186 | 161,913 | 159,437 | 156,446 | 158,174 | 154,494 | 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 | 10.21% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.52% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.51% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.59% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.26% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.49% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.86% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.03% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.90% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.49% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.74% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.68% | 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 County Bank (this bank) | CBLR | NA | NA | NA | 10.21% | |
| State Bank & Trust Company | $165.1M | Risk-based | 14.35% | 14.35% | 15.59% | 10.63% |
| Northwestern Bank, N.A. | $164.7M | CBLR | NA | NA | NA | 11.15% |
| The Big Bend Banks, N.A. dba Marfa National Bank | $165.4M | CBLR | NA | NA | NA | 16.23% |
| Freeport State Bank | $165.5M | Risk-based | 15.00% | 15.00% | 15.83% | 10.69% |
| Normangee State Bank | $165.5M | Risk-based | 26.00% | 26.00% | 27.25% | 14.69% |
| Beacon Business Bank, N.A. | $164.4M | CBLR | NA | NA | NA | 11.63% |
| First State Bank of Forsyth | $165.5M | CBLR | NA | NA | NA | 12.08% |
| First National Bank in Ord | $165.6M | Risk-based | 22.83% | 22.83% | 24.08% | 11.35% |
| Auburn Banking Company | $164.3M | Risk-based | 11.00% | 11.00% | 11.80% | 8.26% |
| Movement Bank | $164.2M | Risk-based | 16.64% | 16.64% | 18.95% | 11.09% |
| Peer 25th percentile | 14.51% | 14.51% | 15.65% | 10.79% | ||
| Peer median | 15.82% | 15.82% | 17.39% | 11.25% | ||
| Peer 75th percentile | 21.28% | 21.28% | 22.80% | 11.97% | ||
| This bank's percentile | NA | NA | NA | 10 |
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/104234/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.