High Country 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 9.62% +0.62 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 | $50.6M | 50,633 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $526.1M | 526,150 | RCOAA224 |
| Recomputed ratio | 9.62% | numerator / denominator | |
| Filed ratio | 9.62% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.62 pp | $3.3M | 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 | 11,860 | 11,860 | 11,860 | 8,860 | 8,860 | 8,860 | RCOAP742 |
| Retained earnings | 38,773 | 37,910 | 37,059 | 35,894 | 35,587 | 35,183 | RCOAKW00 |
| Accumulated other comprehensive income | (1,553) | (1,206) | (1,082) | (1,196) | (1,926) | (1,978) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 49,080 | 48,564 | 47,837 | 43,558 | 42,521 | 42,065 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,553 | 1,206 | 1,082 | 1,196 | 1,926 | 1,978 | P859 - P840 |
| Common equity Tier 1 capital | 50,633 | 49,770 | 48,919 | 44,754 | 44,447 | 44,043 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 50,633 | 49,770 | 48,919 | 44,754 | 44,447 | 44,043 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | 5,100 | 4,909 | 4,750 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | 5,100 | 4,909 | 4,750 | |
| Total capital | NA | NA | NA | 49,854 | 49,356 | 48,793 | |
| Total risk-weighted assets | NA | NA | NA | 407,178 | 392,572 | 385,828 | |
| Average total assets for the leverage ratio | 526,150 | 527,933 | 526,189 | 516,986 | 509,495 | 499,734 | 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 | 9.62% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.43% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.30% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.99% | 10.99% | 12.24% | 8.66% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.32% | 11.32% | 12.57% | 8.72% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.42% | 11.42% | 12.65% | 8.81% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 8.74% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 8.79% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.15% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.35% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.58% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.61% | 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 |
|---|---|---|---|---|---|---|
| High Country Bank (this bank) | CBLR | NA | NA | NA | 9.62% | |
| First Secure Community Bank | $528.8M | Risk-based | 10.60% | 10.60% | 11.47% | 9.43% |
| Peoples Bank | $529.6M | Risk-based | 10.79% | 10.79% | 11.60% | 8.09% |
| Lake Elmo Bank | $529.7M | Risk-based | 16.14% | 16.14% | 17.39% | 11.62% |
| Entrebank | $527.1M | CBLR | NA | NA | NA | 9.61% |
| The Berkshire Bank | $530.0M | Risk-based | 93.68% | 93.68% | 95.00% | 24.16% |
| First Montana Bank, Inc. | $530.3M | Risk-based | 15.89% | 15.89% | 16.90% | 10.15% |
| Connecticut Community Bank, N.A. | $526.0M | CBLR | NA | NA | NA | 13.11% |
| Citizens Community Bank | $531.0M | CBLR | NA | NA | NA | 9.83% |
| The Peoples Bank | $531.1M | Risk-based | 15.52% | 15.52% | 16.77% | 9.29% |
| Peer 25th percentile | 11.97% | 11.97% | 12.89% | 9.43% | ||
| Peer median | 15.71% | 15.71% | 16.84% | 9.83% | ||
| Peer 75th percentile | 16.08% | 16.08% | 17.27% | 11.62% | ||
| This bank's percentile | NA | NA | NA | 44 |
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/479370/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.