The Hicksville 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 9.37% +0.37 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 | $20.9M | 20,931 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $223.3M | 223,315 | RCOAA224 |
| Recomputed ratio | 9.37% | numerator / denominator | |
| Filed ratio | 9.37% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.37 pp | $833K | 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 | 1,600 | 1,600 | 1,600 | 1,600 | 1,600 | 1,600 | RCOAP742 |
| Retained earnings | 19,345 | 19,513 | 19,203 | 18,833 | 18,469 | 18,313 | RCOAKW00 |
| Accumulated other comprehensive income | (2,912) | (2,694) | (2,716) | (3,024) | (4,061) | (3,919) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 18,033 | 18,419 | 18,087 | 17,409 | 16,008 | 15,994 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,898 | 2,666 | 2,689 | 2,982 | 4,032 | 3,901 | P859 - P840 |
| Common equity Tier 1 capital | 20,931 | 21,085 | 20,776 | 20,391 | 20,040 | 19,895 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 20,931 | 21,085 | 20,776 | 20,391 | 20,040 | 19,895 | 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 | 223,315 | 224,812 | 218,910 | 212,854 | 213,593 | 211,732 | 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 | 9.37% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.38% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.49% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.58% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.38% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.40% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 8.83% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.35% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.69% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.94% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.07% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.76% | 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 Hicksville Bank (this bank) | CBLR | NA | NA | NA | 9.37% | |
| FCNB Bank | $220.4M | Risk-based | 10.11% | 10.11% | 10.94% | 8.06% |
| The Citizens Bank | $220.4M | CBLR | NA | NA | NA | 12.67% |
| Friend Bank | $221.0M | CBLR | NA | NA | NA | 13.52% |
| Commerce Bank | $220.0M | Risk-based | 17.11% | 17.11% | 18.37% | 13.87% |
| Carson Bank | $219.9M | Risk-based | 11.73% | 11.73% | 12.79% | 8.28% |
| Bank of Milton | $221.4M | CBLR | NA | NA | NA | 9.51% |
| Farmers State Bank | $221.4M | CBLR | NA | NA | NA | 12.73% |
| Banksouth | $221.5M | CBLR | NA | NA | NA | 19.06% |
| Merchants State Bank | $219.6M | CBLR | NA | NA | NA | 17.26% |
| First Peoples Bank of Tennessee | $219.5M | Risk-based | 13.94% | 13.94% | 15.20% | 11.41% |
| Peer 25th percentile | 11.32% | 11.32% | 12.33% | 9.99% | ||
| Peer median | 12.83% | 12.83% | 13.99% | 12.70% | ||
| Peer 75th percentile | 14.73% | 14.73% | 15.99% | 13.78% | ||
| This bank's percentile | NA | NA | NA | 20 |
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/892223/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.