Interbank: 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 11.06% +2.06 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 | $578.2M | 578,162 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $5.23B | 5,226,664 | RCOAA224 |
| Recomputed ratio | 11.06% | numerator / denominator | |
| Filed ratio | 11.06% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.06 pp | $107.8M | 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 | 226,209 | 226,209 | 226,209 | 226,209 | 226,209 | 226,209 | RCOAP742 |
| Retained earnings | 437,045 | 412,058 | 387,623 | 397,688 | 371,475 | 344,774 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 663,254 | 638,267 | 613,832 | 623,897 | 597,684 | 570,983 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (85,092) | (85,357) | (85,622) | (85,887) | (86,152) | (86,417) | P859 - P840 |
| Common equity Tier 1 capital | 578,162 | 552,910 | 528,210 | 538,010 | 511,532 | 484,566 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 578,162 | 552,910 | 528,210 | 538,010 | 511,532 | 484,566 | RCOA8274 |
| Tier 2 capital | NA | NA | 38,502 | 38,627 | 39,474 | 39,516 | |
| Allowance includable in Tier 2 capital | NA | NA | 38,502 | 38,627 | 39,474 | 39,516 | |
| Total capital | NA | NA | 566,712 | 576,637 | 551,006 | 524,082 | |
| Total risk-weighted assets | NA | NA | 5,377,303 | 5,292,605 | 5,165,068 | 4,941,455 | |
| Average total assets for the leverage ratio | 5,226,664 | 5,318,014 | 5,244,597 | 4,958,463 | 4,704,824 | 4,509,368 | 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 | 11.06% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 10.40% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 9.82% | 9.82% | 10.54% | 10.07% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 10.17% | 10.17% | 10.90% | 10.85% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 9.90% | 9.90% | 10.67% | 10.87% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 9.81% | 9.81% | 10.61% | 10.75% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 9.92% | 9.92% | 10.78% | 10.26% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.49% | 11.49% | 12.36% | 11.83% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.78% | 10.78% | 11.44% | 11.37% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.38% | 10.38% | 11.05% | 10.79% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 9.93% | 9.93% | 10.61% | 10.70% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.09% | 11.09% | 11.79% | 11.89% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Interbank (this bank) | CBLR | NA | NA | NA | 11.06% | |
| Celtic Bank Corporation | $5.33B | CBLR | NA | NA | NA | 18.04% |
| Morton Community Bank | $5.35B | Risk-based | 13.59% | 13.59% | 14.59% | 10.62% |
| Southern Bank and Trust Company | $5.30B | Risk-based | 12.68% | 12.68% | 13.63% | 9.63% |
| Leader Bank, N.A. | $5.28B | Risk-based | 19.80% | 19.80% | 21.06% | 11.58% |
| Five Star Bank | $5.38B | Risk-based | 11.11% | 11.11% | 12.12% | 10.25% |
| Bridgewater Bank | $5.38B | Risk-based | 12.73% | 12.73% | 13.98% | 11.65% |
| Alerus Financial, N.A. | $5.28B | Risk-based | 10.92% | 10.92% | 12.11% | 9.26% |
| City Bank | $5.39B | Risk-based | 13.39% | 13.39% | 14.50% | 10.79% |
| The Canandaigua National Bank and Trust Company | $5.41B | Risk-based | 12.34% | 12.34% | 13.38% | 9.01% |
| Stride Bank, N.A. | $5.42B | Risk-based | 18.76% | 18.76% | 19.84% | 8.37% |
| Peer 25th percentile | 12.34% | 12.34% | 13.38% | 9.36% | ||
| Peer median | 12.73% | 12.73% | 13.98% | 10.44% | ||
| Peer 75th percentile | 13.59% | 13.59% | 14.59% | 11.38% | ||
| This bank's percentile | NA | NA | NA | 70 |
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/1187001/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.