The Hocking Valley 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 11.44% +2.44 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 | $41.1M | 41,062 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $358.8M | 358,818 | RCOAA224 |
| Recomputed ratio | 11.44% | numerator / denominator | |
| Filed ratio | 11.44% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.44 pp | $8.8M | 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 | 3,745 | 3,745 | 3,745 | 3,745 | 3,745 | 3,745 | RCOAP742 |
| Retained earnings | 37,317 | 36,033 | 34,844 | 35,677 | 34,560 | 33,622 | RCOAKW00 |
| Accumulated other comprehensive income | (2,585) | (2,579) | (2,252) | (2,702) | (3,703) | (4,171) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 38,477 | 37,199 | 36,337 | 36,720 | 34,602 | 33,196 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,585 | 2,579 | 2,252 | 2,702 | 3,703 | 4,171 | P859 - P840 |
| Common equity Tier 1 capital | 41,062 | 39,778 | 38,589 | 39,422 | 38,305 | 37,367 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 41,062 | 39,778 | 38,589 | 39,422 | 38,305 | 37,367 | 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 | 358,818 | 358,495 | 359,361 | 355,114 | 346,266 | 333,926 | 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 | 11.44% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.10% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.74% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.10% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.06% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.19% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.35% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.07% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.97% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.57% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.99% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.66% | 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 Hocking Valley Bank (this bank) | CBLR | NA | NA | NA | 11.44% | |
| First State Bank of Dekalb County, Inc. | $353.8M | Risk-based | 24.03% | 24.03% | 25.28% | 14.13% |
| Frazer Bank | $354.3M | Risk-based | 17.05% | 17.05% | 18.30% | 11.21% |
| The Waggoner National Bank of Vernon | $353.7M | CBLR | NA | NA | NA | 14.41% |
| Citizens Bank of Ada | $353.7M | CBLR | NA | NA | NA | 9.50% |
| United Southern Bank | $353.7M | CBLR | NA | NA | NA | 12.66% |
| First State Bank of Texas | $353.6M | CBLR | NA | NA | NA | 9.20% |
| F&M Bank | $354.6M | CBLR | NA | NA | NA | 11.76% |
| Sooner State Bank | $354.6M | CBLR | NA | NA | NA | 12.75% |
| Granite Bank | $353.2M | Risk-based | 9.91% | 9.91% | 10.62% | 8.53% |
| Peer 25th percentile | 13.48% | 13.48% | 14.46% | 9.50% | ||
| Peer median | 17.05% | 17.05% | 18.30% | 11.76% | ||
| Peer 75th percentile | 20.54% | 20.54% | 21.79% | 12.75% | ||
| 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/230610/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.