Jersey State 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 13.30% +4.30 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 | $26.4M | 26,392 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $198.5M | 198,471 | RCOAA224 |
| Recomputed ratio | 13.30% | numerator / denominator | |
| Filed ratio | 13.30% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.30 pp | $8.5M | 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 | 3,250 | 3,250 | 3,250 | 3,250 | 3,250 | 3,250 | RCOAP742 |
| Retained earnings | 23,142 | 23,087 | 22,683 | 22,632 | 22,357 | 22,315 | RCOAKW00 |
| Accumulated other comprehensive income | (5,402) | (5,797) | (5,313) | (5,782) | (7,172) | (7,162) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 20,990 | 20,540 | 20,620 | 20,100 | 18,435 | 18,403 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,402 | 5,797 | 5,313 | 5,782 | 7,172 | 7,162 | P859 - P840 |
| Common equity Tier 1 capital | 26,392 | 26,337 | 25,933 | 25,882 | 25,607 | 25,565 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 26,392 | 26,337 | 25,933 | 25,882 | 25,607 | 25,565 | 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 | 198,471 | 201,669 | 218,232 | 186,359 | 189,060 | 185,001 | 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 | 13.30% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 13.06% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 11.88% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.89% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.54% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.82% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 13.75% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 13.80% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 14.07% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 14.12% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 13.08% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 13.03% | 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 |
|---|---|---|---|---|---|---|
| Jersey State Bank (this bank) | CBLR | NA | NA | NA | 13.30% | |
| Citizens Federal Savings Bank | $190.1M | CBLR | NA | NA | NA | 20.08% |
| The Geo. D. Warthen Bank | $190.3M | Risk-based | 22.74% | 22.74% | 23.99% | 13.01% |
| Fowler State Bank | $190.3M | CBLR | NA | NA | NA | 15.51% |
| Peoples State Bank of Munising | $190.4M | CBLR | NA | NA | NA | 12.75% |
| First Enterprise Bank | $189.7M | CBLR | NA | NA | NA | 10.77% |
| The First State Bank of Malta | $189.7M | CBLR | NA | NA | NA | 14.36% |
| First State Bank Shannon-Polo | $190.5M | Risk-based | 13.80% | 13.80% | 14.69% | 10.31% |
| Citizens State Bank | $190.6M | CBLR | NA | NA | NA | 12.04% |
| The Peoples Savings Bank | $189.3M | CBLR | NA | NA | NA | 8.96% |
| Peer 25th percentile | 16.03% | 16.03% | 17.01% | 10.77% | ||
| Peer median | 18.27% | 18.27% | 19.34% | 12.75% | ||
| Peer 75th percentile | 20.50% | 20.50% | 21.66% | 14.36% | ||
| This bank's percentile | NA | NA | NA | 67 |
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/482446/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.