Industry State Bank: Regulatory Capital and Risk-Weighted Assets
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As of 2Q25, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q25
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 17.66% +8.66 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 | $141.9M | 141,923 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $803.7M | 803,715 | RCOAA224 |
| Recomputed ratio | 17.66% | numerator / denominator | |
| Filed ratio | 17.66% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +8.66 pp | $69.6M | 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 | 2Q25 | 1Q25 | Source |
|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 22,774 | 22,774 | RCOAP742 |
| Retained earnings | 119,158 | 118,012 | RCOAKW00 |
| Accumulated other comprehensive income | (144,821) | (137,526) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | (2,889) | 3,260 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 144,812 | 137,491 | P859 - P840 |
| Common equity Tier 1 capital | 141,923 | 140,751 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | RCOAP865 |
| Tier 1 capital | 141,923 | 140,751 | RCOA8274 |
| Tier 2 capital | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | |
| Total capital | NA | NA | |
| Average total assets for the leverage ratio | 803,715 | 884,507 | 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 |
|---|---|---|---|---|---|---|---|---|---|
| 2Q25 | CBLR | NA | NA | NA | 17.66% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 15.91% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 15.43% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.43% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.10% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.06% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.47% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 28.38% | 28.38% | 29.28% | 11.99% | 14.65% | 14.67% | 15.79% | 10.60% |
| 2Q23 | Risk-based | 27.38% | 27.38% | 28.27% | 11.63% | 14.63% | 14.65% | 15.76% | 10.48% |
| 1Q23 | Risk-based | 26.73% | 26.73% | 27.61% | 11.59% | 14.66% | 14.70% | 15.78% | 10.37% |
| 4Q22 | Risk-based | 25.64% | 25.64% | 26.51% | 11.41% | 14.44% | 14.49% | 15.55% | 10.28% |
| 3Q22 | Risk-based | 24.94% | 24.94% | 25.81% | 11.05% | 14.66% | 14.67% | 15.73% | 10.18% |
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, 2Q25
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Industry State Bank (this bank) | CBLR | NA | NA | NA | 17.66% | |
| Bank & Trust Company | $641.3M | Risk-based | 16.09% | 16.09% | 17.35% | 10.83% |
| Spring Bank | $641.0M | CBLR | NA | NA | NA | 16.62% |
| Greenville National Bank | $641.5M | CBLR | NA | NA | NA | 12.44% |
| Woodlands Bank | $640.3M | Risk-based | 11.17% | 11.17% | 12.42% | 8.41% |
| Trustbank | $640.2M | CBLR | NA | NA | NA | 9.45% |
| The State National Bank of Big Spring | $640.0M | CBLR | NA | NA | NA | 10.74% |
| Mauch Chunk Trust Company | $642.8M | Risk-based | 14.55% | 14.55% | 15.60% | 7.71% |
| Savibank | $639.5M | Risk-based | 9.92% | 9.92% | 11.06% | 8.72% |
| Legence Bank | $642.9M | Risk-based | 13.77% | 13.77% | 14.72% | 9.32% |
| High Plains Bank | $643.1M | CBLR | NA | NA | NA | 9.86% |
| Peer 25th percentile | 11.17% | 11.17% | 12.42% | 8.87% | ||
| Peer median | 13.77% | 13.77% | 14.72% | 9.65% | ||
| Peer 75th percentile | 14.55% | 14.55% | 15.60% | 10.81% | ||
| 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/733054/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.